Is a game complete when it's not complete? of course not, but most sellers advertise a game as complete if it has the game, box and instructions. For some this may be acceptable especially for players/collectors but for the hard core collector you should consider what you want your collection to be.
Video Game Market only marks a game complete when all the components are included and if a VIP card or any other item came with the a game or console when sold at retail then everything must be present.
When recently asked how many Nintendo Gamecube Games came with a VIP card I
wasn't sure, so here is a list of all the games I am aware of that come complete with a VIP points card when first sold.