VIB launches Super Pay and Super Cash - Two pieces in the super personalized financial ecosystem

These two products are important pieces, helping VIB complete the super personalized financial ecosystem, empowering users to proactively manage their finances in a smart, safe and effective way.

SuperPay: Proactive payment solution, flexible installments, safe transactions

No longer limited by traditional definitions such as credit, debit or prepaid cards, SuperPay integrates the trio of solutions PayFlex, Pay Ease and PaySafe, helping users proactively choose how to spend and manage their personal finances.

PayFlex - Empowering users to choose their payment source: Allows users to proactively choose their payment source (from a payment card or VIB Visa credit card) with just one card registered with PayFlex, providing maximum flexibility and smart control over cash flow. Cardholders are completely proactive in choosing the source of funds for each type of transaction, making the most of the benefits of credit cards such as interest-free periods, preferential installment payments, accumulating reward points for large expenses, and closely managing daily spending budgets via debit cards.

PayEase - Empowering flexible installment payments: Understanding customers' diverse spending needs, VIB offers the PayEase solution, allowing users to fully decide on installment payments. With just a few simple steps on the MyVIB application or via Hotline, customers can choose transactions, amounts and installment terms according to their needs with a maximum term of up to 36 months. VIB also cooperates with more than 100 major partners, providing a 0% interest installment payment program, helping users realize all big plans without worrying about financial pressure.

PaySafe - Empowering secure transactions: Security is no longer passive, but proactively controlled by users. With PaySafe, cardholders have full control over card security by enabling/disabling online payment features, locking/unlocking cards, setting limits, to prevent risks and enhance the safe experience when transacting. In particular, for the first time, cardholders can proactively decide whether online transactions must be authenticated by OTP or not and what the OTP receiving method is. With VIB, cardholders can receive OTP via MyVIB notification or email in addition to the traditional method of SMS, helping cardholders to easily make card payment transactions even when abroad and without roaming service for SMS OTP.

Super Cash - A breakthrough solution that allows transferring up to 1 billion VND between credit cards and cash loans

If Super Pay helps users choose how to spend, Super Cash is the solution to proactively access cash flow when needed. This is a pioneering product in Vietnam that allows credit limit rotation between credit cards and cash loans - a breakthrough in modern consumer lending thinking.

With Super Cash, users will be granted a maximum credit limit of up to 1 billion VND including credit card and cash loan. Depending on usage needs, users can rotate the limit from card to cash or vice versa when needing quick capital without having to open a new loan.

For example, when in need of emergency cash, users only need a few steps on the Max by VIB application to convert part of the credit limit into a loan, the money will be disbursed into the account within 5 minutes. When needing to increase the card limit to travel , pay tuition or spend large amounts, users can proactively transfer the limit from the loan to the credit card for payment.

With simplified procedures, completely online on the Max application, Super Cash brings a proactive, transparent and flexible lending experience that was previously only available in fintech models. Users do not need complicated paperwork, no conversion fees or early settlement fees. Interest rates are only from 425 VND/million/day (equivalent to 15.5-22.5%/year). With flexible terms from 1 day to 5 years, SuperCash is not a regular loan, but a smart reserve fund managed by the user, especially without early loan settlement fees. SuperCash is currently granted a limit to customers who already have a credit card and/or mortgage loan at VIB.

1 super ecosystem - 4 powerful pieces - personalized for every need

In its impressive growth journey over the years, VIB has affirmed its role as a trendsetter by constantly listening to customer needs and launching financial products that apply breakthrough technology, aiming to bring the best experience to each customer.

Among them, Super Card - Super personalized credit card allows customers to proactively set up cashback categories, statement dates, and payment deadlines depending on their needs and cash flow; or Super Account - Super Profit Account with profits of up to 4.3%/year on flexible spending cash flow.

With the launch of Super Pay and Super Cash, VIB continues to complete the super personalized financial ecosystem with two new pieces:

- SuperPay: Proactive payment solution, flexible installments, safe transactions;

- SuperCash: A breakthrough solution that allows transferring limits of up to 1 billion VND between credit cards and cash loans.

Together with SuperCard and SuperAccount, the “Super quartet” forms a unified super ecosystem, where each product acts as a powerful link to help customers master cash flow, optimize financial leverage and realize personal goals intelligently and effectively.

Source: https://baodautu.vn/vib-ra-mat-super-pay-va-super-cash---two-manh-ghep-trong-sieu-he-sinh-thai-tai-chinh-ca-nhan-hoa-d337697.html