Home Credit credit card offers flexible cashback according to consumer needs

Flexible Cashback Feature

On November 1, Home Credit officially launched the “Flexible Cashback” feature for credit cards, a mechanism that helps customers maximize benefits to suit their own lifestyle. As a pioneer consumer finance company in Vietnam, this feature allows cardholders to proactively choose the desired cashback package for many different types of spending, instead of being limited by a fixed policy.

Flexible refund feature on Home Credit app, allowing users to easily choose and change refund packages. (Home Credit photo)

Cardholders can choose from five tailor-made cashback options right on the Home Credit app. Each option offers an attractive 10% cashback on selected spending categories, with a total cashback value of up to VND 300,000 per month.

Family Package (prioritizes essential spending such as supermarkets, electronics and paying household bills); Enjoy Package (cashback for dining , spa, accommodation and long-distance trips); Digital Living Package (focuses on e-commerce, food delivery, ride-hailing); Essential Package (food delivery, convenience stores, e-commerce) and Standard Package for those who have a balanced spending habit between supermarkets, dining and online shopping.

Users can pay late with Home Credit card (Home Credit photo)

The main breakthrough is the ability to proactively adjust the monthly cashback option. For example, if this month is a priority for shopping, users can choose the Digital Living or Essential package to enjoy 10% cashback, but next month when they have travel plans, they can completely switch to the Enjoy package to receive 10% cashback on accommodation and food expenses. This proactive monthly adjustment helps customers never miss the opportunity to receive a total cashback value of up to 300,000 VND per month.

In this way, Home Credit turns the credit card from a passive payment tool into a smart financial assistant, helping users optimize benefits on each transaction.

The foundation of innovation

The Flexible Cashback feature on Home Credit credit cards is built on a deep understanding of customers in the context of spending habits in the digital age no longer following a fixed pattern.

Through extensive research, the company found that customer spending is increasingly dynamic, shifting between different categories over time. As a result, Flexible Cashback was created to meet the need for a highly personalized and adaptable financial solution.

Home Credit Vietnam received two prestigious awards from Visa (photo Home Credit)

Not only that, game shows like "Unbox every day - Hunt for 5 billion gifts" also bring unexpected joy, turning each card swipe transaction into an exciting journey.

Accordingly, from October 1, 2025 to February 15, 2026, Home PayLater Credit Card and Postpaid Account holders will have the opportunity to receive a cashback reward of up to VND 100 million just by making transactions and receiving "unboxing" turns. The total value of all prizes of the program is up to more than VND 5 billion.

In addition, Home Credit also provides users with a comprehensive management toolkit on the application, allowing them to monitor and control spending, proactively set limits, limit the number of transactions, or immediately lock the card when there are any suspicious signs.

Such efforts in innovation and customer focus have helped the company be honored with two prestigious awards at the Visa Vietnam Customer Conference 2025, including “Leading Finance Company in Total Card Transaction Volume 2025” and “Finance Company with Outstanding Growth Rate in Card Transaction Volume 2025”. These awards strongly affirm that Home Credit’s products and services are highly appreciated and trusted by customers.

Home Credit has affirmed its position as a business that not only has a solid foundation of customer trust, but also possesses the ability to create strong and sustainable growth in the future.

From there, the Flexible Cashback feature is not just a simple product improvement. It is Home Credit's affirmation that the business is ready to empower customers to proactively choose benefits, turning the credit card from a passive payment tool into a financial assistant "tailored" to individual needs.

Source: https://baodautu.vn/the-tin-dung-cua-home-credit-linh-hoat-hoan-tien-theo-nhu-cau-tieu-dung-d431383.html