VIB has introduced Super Pay and Super Cash, two new personalized financial solutions. Super Pay integrates PayFlex, PayEase, and PaySafe, giving users control over their spending and personal finances. PayFlex allows users to choose their payment source—either a debit or a VIB Visa credit card—using a single registered card. This optimizes the benefits of credit cards, such as interest-free periods, installment plans, and reward points for large purchases, while maintaining budget control through debit card usage for daily expenses.

Users can make payments with a single PayFlex registered card. Photo: VIB

PayEase allows users to convert transactions into installments through the MyVIB app or hotline. Customers can select the transaction, amount, and installment period (up to 36 months). VIB has also partnered with over 100 major businesses to offer 0% interest installment programs.

PaySafe enhances transaction security. Cardholders can enable or disable online payments, lock or unlock their cards, and set spending limits. For the first time, VIB users can choose how to authenticate online transactions, opting to activate or bypass OTP requirements. They can also choose to receive OTPs via MyVIB notifications, email, or SMS. This makes transactions secure and convenient, even when abroad without SMS roaming.

Super Cash provides access to funds when needed by allowing users to transfer credit limits between their credit card and a cash loan. VIB calls this a breakthrough in modern consumer lending. Users are granted a total credit limit of up to 1 billion VND, encompassing both the credit card and the cash loan, and can transfer funds between them as needed.

This product is suitable for those who need quick access to funds without opening a new loan. Through the Max by VIB app, users can convert a portion of their credit card limit into a cash loan, disbursed to their account within five minutes. Conversely, they can transfer funds from the cash loan to their credit card to increase their spending limit for travel, tuition, or other large expenses.

Customers explore the bank's financial solutions. Photo: VIB

According to VIB, the application process is streamlined and entirely handled through the Max app, offering a transparent and flexible borrowing experience. No complicated paperwork is required, and there are no conversion or early repayment fees. Super Cash has an interest rate of 15.5-22.5% per year, with flexible terms ranging from one day to five years. It is available to VIB customers who already have a credit card or mortgage, acting as a proactive, transparent, and flexible backup funding source.

VIB continues to introduce tech-integrated financial products. Previously, the bank launched Super Card, a personalized credit card that allows users to customize cashback categories, statement dates, and payment deadlines. They also offer Super Account, a high-yield savings account with returns up to 4.3% per year on flexible spending.

The combination of Super Pay, Super Cash, Super Card, and Super Account creates a personalized financial ecosystem, with each solution designed to meet specific needs. This suite of solutions empowers customers to manage their finances, optimize leverage, and achieve their personal goals.

Hoang Dan