Leading in credit card technology
With a strategy of leading the card trend in Vietnam, VIB has been pioneering the application of leading modern technologies into the credit card ecosystem and developing it into a common trend, which is preferred by the majority of users.
Strong investment in technology combined with understanding the needs and preferences of users has helped VIB meet and exceed customer expectations.
Recognizing the positive contributions of VIB to the broad changes in cashless payment technology in Vietnam, as well as in the region, reputable international organizations have awarded the Bank with numerous notable technology awards, the latest of which is the “First bank to apply Augmented Reality (AR) technology to Credit Cards in Vietnam” award from VISA and the “Breakthrough in Credit Card Digitization” award from Mastercard.
Starting from being the first to integrate credit cards and payment cards with the VIB Online Plus 2in1 card line, to applying Big Data and Artificial Intelligence (AI) to completely perform the card issuance process within 15-30 minutes, or application of advanced card technologies such as “virtual card”, “virtual call center” and “virtual financial expert”, VIB has successfully created unique, different and convenient experiences for users.
Putting the customer at the center with the goal of providing the best cashless spending experience, VIB also pioneered the launch of the “talking card” by embedding Virtual Reality (VR) and Augmented Reality (AR) technologies into the QR code on the back of the card, making financial transactions that used to be dry become more interesting and accessible.
Leading in card spending in Vietnam and abroad
In addition to superior card technology in Vietnam and the region, VIB is also the market leader in personalizing user experiences. VIB-branded card lines and reputable global partners such as Mastercard, Visa, and American Express are designed with modern features and interfaces, youthful and fully meet the needs of users. This is suitable and significantly contributes to VIB’s leading strategy in trends in recent years, making the bank one of the top choices for card users in Vietnam.
With 6 card lines combined with Mastercard, by 2023, VIB was recognized as leading in total debit and international credit card spending in Vietnam. At the same time, the Bank also leads the market in total Mastercard spending in foreign territories. Specialized cards for travel, accompanying users when shopping abroad such as Travel Elite and Premier Boundless contribute significantly to helping VIB maintain this position over the years.
In addition, with products that provide diverse features and benefits for the field of online shopping, VIB has become the Leading Bank in E-commerce spending, as recognized by Mastercard.
Unique credit card ecosystem, maximizing benefits for each spending group
Currently, VIB’s credit card ecosystem has 9 modern card lines, designed to suit the needs of each user, from those who love traveling to those who love shopping or simply want to manage their finances effectively. Each card line carries a personal style with luxury design, accompanied by diverse features and superior benefits compared to the market.
VIB’s card products target customers who are modern citizens of the digital economy, love technology, constantly seek, assert and express their self – the right to be in control in all aspects of life. On the journey to enhance user experiences, VIB always strives to understand and share with all needs and desires of customers through creative marketing steps, helping to narrow the gap with customers.
With leading card technology, VIB’s credit cards not only simply act as a means of payment but also bring a convenient and interesting technology experience. In addition, the diversity, creativity, and full response to spending needs have helped VIB’s card products become the top choice for customers when joining the cashless payment trend.