VIB announces 4.3%/year yield, 5% online card cashback

VIB introduces the Profitable Duo, consisting of a Super Yield account with a maximum interest rate of 4.3% per year and the VIB Smart Card offering up to 5% cashback on all online transactions, according to the bank's announcement. Combining these two products, capital held can generate up to 9.3% profit, according to VIB. Simultaneously, the "Smart Money, Smart Life - Leading the Profit Trend" podcast series, airing from October 27th, aims to share tips on managing cash flow applicable to daily life.

Kaity Nguyen was the first guest on the "Smart Money, Smart Life - Leading the Profit Trend" podcast. Photo: Provided by the interviewee.

Product and yield trends

According to VIB, after connecting the payment account to the Super Yield account on the MyVIB app, the account will start earning daily interest at a maximum rate of 4.3% per year. The VIB Smart Card offers cashback of up to 5% on all online transactions and does not require a minimum spending amount. The bank states that using both products simultaneously can help achieve a total return of up to 9.3%.

Product	Mechanism	Benefit level
Super Yield Account	Automatically connects to your payment account; earns daily interest.	Maximum 4.3% per year
VIB Smart Card	Refunds for online transactions	Maximum 5%
Combine the two products	Maximize interest + cashback	Up to 9.3% (according to VIB)

Influencing factors: cash flow management and spending behavior

The podcast "Smart Money, Smart Life - Leading the Profit Trend" emphasizes how to manage cash flow in line with personal goals. Actress Kaity Nguyen shared: "Sleeping cash flow won't generate profit. We must find ways to make it move in the right direction, aligned with our passions and personality." This message is consistent with VIB's announced daily interest and cashback mechanism for online transactions.

Kaity Nguyen shared this in episode 1 of the podcast series. Photo: Provided by the interviewee.

Compare timelines

The Profitable Duo was launched by VIB at the end of September; the 4-episode podcast series will air from October 27th. Currently, there are no comparative figures on interest rate changes or cashback policies across periods; the rates mentioned above are based on the bank's current announcements.

Short- and medium-term trends

With a focus on "Financial Hacks" in each episode, the program aims to help users apply money management tips in a digital context. There is no independent market data to provide quantitative forecasts on interest rates/cashback rates; however, an interest rate of 4.3% per year and cashback of up to 5% online are currently core metrics according to VIB.

Impact on users and the digital consumption landscape.

At the individual level, the daily interest earned on idle funds in a checking account (up to 4.3% per year) along with cashback of up to 5% on online transactions can help reduce costs and increase capital efficiency if users adhere to the product conditions. According to VIB, this combination aims to keep cash flow constantly active instead of idle, aligning with the financial management direction emphasized in the podcast series.

Source: https://baolamdong.vn/vib-cong-bo-loi-suat-43nam-hoan-tien-the-5-online-397735.html