O2 Visa Card: The right credit solution for workers, laborers and small traders

Sacombank 's O2 Visa card not only helps manage spending flexibly, borrow money quickly and safely, but also encourages a green, environmentally friendly lifestyle. With the O2 Visa card, users can confidently pursue their plans without worrying about costs or black credit risks.

Thẻ Visa O2: Giải pháp tín dụng phù hợp cho công nhân, lao động và tiểu thương - 1 — O2 Visa card is a transparent and safe credit solution to replace black credit.

"Light" interest and quick with consumer loans via card

Ms. Le Minh Tuyet (worker in Binh Duong ) shared: “Last month, my child was sick and had to be hospitalized, I needed money urgently. I was afraid to borrow from outside because I was afraid of high interest rates, so I tried borrowing on the Sacombank Pay app, the loan limit was based on the O2 Visa credit card limit I was using. It only took a few minutes to get the money, the loan interest rate was only 1%/month - much "lighter" than borrowing from outside, no cumbersome paperwork, and no worries about being asked to pay off debt like black credit".

Accordingly, the O2 Visa card is providing a transparent online consumer loan solution with preferential interest rates: 12%/year for 2-5 months and 15.6%/year for 6-60 months - much lower interest rates than the market average. Borrowers can apply online and get quick approval. The loan amount is up to 90% of the card limit (up to 100 million VND), easily paid in installments on the Sacombank Pay application.

Mr. Le Hoang Nam (a freelance technology driver in Ho Chi Minh City) also struggled because he did not have a fixed salary. “I do not have a salary contract, I only live on daily rides. Before, I borrowed from acquaintances, the interest rate was high. Now I have an O2 Visa card, I just need to top up on time, manage my spending well, I can borrow money directly on the app, there is no risk of borrowing from outside, low interest, safe, very secure”, Mr. Nam shared.

O2 Visa Card - Proactive financial solution for business owners

Not only for workers or freelancers, the O2 Visa card line is also a great assistant for small business owners - a group of customers who often need revolving capital but are afraid to borrow from traditional banks.

Ms. Pham Thi Lan (grocery store owner in Dong Nai ) said: “At first, I thought I would open an O2 Visa credit card just for spending, but I didn't expect to be able to borrow online. This summer, I needed more than 70 million VND but couldn't manage it in time. Luckily, I had an O2 Visa card. I transferred the loan through Sacombank Pay and it was immediately disbursed to my account. The interest rate of 15.6%/year is quite reasonable and lower than outside.”

Thẻ Visa O2: Giải pháp tín dụng phù hợp cho công nhân, lao động và tiểu thương - 2 — Consumer loans within credit card limit right on Sacombank Pay app.

According to Ms. Lan, in addition to preferential interest rates, Visa O2 also has many other incentives such as opening a new account and accumulating spending from 2 million VND or more in the first 30 days will be refunded up to 600,000 VND; refund 300,000 VND/month when spending at green partners such as Xanh SM, Vinamilk or Decathlon to encourage smart spending, but also promote a green lifestyle, protect the environment.

In addition, Visa O2 cardholders can proactively convert to 0% interest installment payments for card spending right on Sacombank Pay. For transactions of VND5 million or more, cardholders can choose to pay in flexible installments of 3 or 6 months, and receive a maximum conversion fee refund of VND1 million. This helps users have a source of money to invest in work and stores without having to resort to black credit.

Seamless incentives - Connecting utilities, spreading cashless payments

This summer, Sacombank not only offers attractive promotions for Visa O2 cards but also accompanies "Cashless Day 2025", connecting safe and convenient payment habits to customers.

Specifically, on June 14-15 at the Ting Ting Day Cashless Festival on Nguyen Hue walking street (HCMC), Sacombank's booth brought many interesting cashless payment experiences with many incentives.