Profitable duo:VIB 's new step on the journey to awaken cash flow benefits
Ms. Tuong Nguyen - Deputy General Director of VIB talked about the Profitable Duo solution that the bank has just launched: "Combining the Super Yield account with the Smart Card payment card is the next strategic step of VIB in the mission of awakening the benefits of cash flow, promoting the mindset of mastering each capital of Vietnamese consumers. Accordingly, each capital, whether unused or used, has the ability to generate profits."
“If the Super Yield account has helped users form the concept that idle cash can move and generate profits of up to 4.3%/year, then the Smart Card payment card is the way to get a refund of up to 5% for online transactions.
When combining the two products, users who regularly own a liquid cash flow in their account not only enjoy cumulative benefits of up to 9.3%, but also activate a new financial trend that is more proactive, smarter and more controlled," Ms. Tuong added.
Combining the Super Yield account with the Smart Card payment card, customers will have a set of solutions designed from understanding, creating double benefits from idle cash flow and online spending transactions.
The profitable duo demonstrates VIB's desire to accompany each Vietnamese consumer for a long time, and is a commitment of a bank that always takes user value as the center and constantly innovates to lead the trend of smart finance.
In the digital financial era, smart consumers cannot let their capital sleep (Photo: VIB).
Win-win situation: Money left idle earns profit, money spent also earns profit
If cash flow does not bring any benefits until it is used and spent, it means that each dollar of capital has not been optimized in the digital financial era - where cash flow needs to be flexibly mobilized, generate profits automatically and create value even before it is invested.
The VIB Profitable Duo is the answer when it provides a daily profit mechanism for idle money through the Super Yield account, and at the same time, refunds for all online transactions through the Smart Card. Thus, each coin can create two parallel value streams: keeping it for nothing is profitable, spending it is also profitable.
The Super Yield Account, one of the two main components of the Profitable Duo, is a VIB product launched in early 2025 and currently has hundreds of thousands of users thanks to its daily profit mechanism for unused balances of up to 4.3%/year, while still allowing flexible spending without interruption.
This product has received 3 international awards: "Best Customer-Chosen Account Solution, Vietnam 2025" from International Finance Awards; "Best Customer-Chosen Account 2025" from Global Brands Magazine, "Best Next-Generation Account Solution - Most Customer-Focused in Vietnam 2025" from Global Business Outlook.
This is also the product that helped VIB set a national record with nearly 100,000 newly activated profitable accounts in just one day (May 17).
VIB Smart Card payment card has a maximum refund of 10.8 million VND/year/customer (Photo: VIB).
Smart Card is one of 5 products in VIB's global payment card set with up to 5% cashback. The card is designed to meet daily spending needs and effective financial management.
With a cashback mechanism for all online transactions without requiring a minimum spending condition, Smart Card shows its advantage in optimizing value for each customer's financial behavior.
The cashback is calculated based on the average balance of the payment account of the previous month, thereby encouraging customers to manage their money better. The higher the balance, the greater the opportunity and the cashback amount, the maximum amount VIB pays to customers is 10.8 million VND/year/customer.
Smart Card meets both domestic and international transactions, suitable for online payments, e-commerce shopping, digital services and daily travel, dining, entertainment needs... Smart Card does not limit the number of additional cards, helping families easily allocate limits and manage spending according to the needs of each member.
Profitable Duo: Accompanying Vietnamese people into a new era of double profits
In an era where cash flow needs to be flexibly and effectively mobilized, smart consumers cannot let their capital sleep. Knowing how to utilize each amount of money to create double value will become an essential financial skill. VIB's profitable duo is not just a set of financial solutions, but a lever to help each individual enter a new era of double profits.
VIB continues to affirm its leading role in the development trend of retail banking in Vietnam (Photo: VIB).
The profitable duo is the result of VIB's continuous process of closely following user behavior, listening to real needs to create a comprehensive, easy-to-understand, easy-to-use, profitable solution every day.
Both products are developed on the MyVIB platform - the most innovative digital bank in Vietnam in 2024, applying modern technologies such as Cloud, Big Data, AI and especially GenAI to personalize the experience and optimize cash flow according to the actual consumption behavior of each user. With the profitable duo, VIB continues to affirm its leading role in the development trend of retail banking in Vietnam.
To own this win-win solution, customers only need to access the MyVIB Digital Banking application, open a new payment account, register to issue a Smart Card, and activate to use the Super Yield account.
Source: https://dantri.com.vn/kinh-doanh/bo-doi-sinh-loi-vib-giai-phap-toi-uu-cho-tien-nhan-roi-va-tien-chi-tieu-20250921193431069.htm
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