The Sacombank O2 Visa card is a gateway to opportunities – not only does it help with flexible expense management and quick and safe loans, but it also encourages a green and environmentally friendly lifestyle. With the O2 Visa card, you can rest assured that you can pursue your plans without worrying about costs or black-market credit risks.
“Light” interest rates and quick access to consumer loans
Ms. Le Minh Tuyet, a worker in Binh Duong, shared: “Last month, my child was hospitalized and I needed money urgently. I hesitated to borrow from outside sources due to high-interest rates, so I tried consuming loans on the Sacombank Pay app, with a limit based on my O2 Visa credit card limit. I got the money in just a few minutes, with an interest rate of only 1%/month – much “lighter” than borrowing from other sources, without cumbersome paperwork or the risk of debt collectors.”
In reality, the O2 Visa card offers a transparent online consumer lending solution with attractive interest rates: 12%/year for 2-5 months and 15.6%/year for 6-60 months – much lower than the market average. Borrowers can apply online and get quick approval. The loan amount can be up to 90% of the card limit (maximum VND 100 million) and can be easily repaid in installments via the Sacombank Pay app.
Mr. Le Hoang Nam, a freelance ride-hailing driver in Ho Chi Minh City, also shared his struggle with not having a fixed salary. “I don’t have an employment contract; I rely on daily rides for income. In the past, I had to borrow from acquaintances at high-interest rates. Now, with the O2 Visa card, as long as I recharge on time and manage my expenses well, I can borrow directly from the app without the risks of borrowing from outside sources. The interest rates are low and it’s safe, so I feel secure,” shared Mr. Nam.
O2 Visa Card – A Proactive Financial Solution for Small Business Owners
The O2 Visa card is not only beneficial for workers and freelancers but is also a powerful tool for small business owners – a group of customers who often need quick access to capital but hesitate to borrow from traditional banks.
Ms. Pham Thi Lan, a grocery store owner in Dong Nai, shared her experience: “At first, I thought the O2 Visa credit card was only for consumption, but I later found out that I could also apply for an online loan. This summer, I needed more than VND 70 million for inventory, and I couldn’t manage it in time. Luckily, with the O2 Visa card, I transferred the loan amount via Sacombank Pay, and the money was disbursed immediately to my account. The interest rate of 15.6%/year is quite reasonable and lower than other sources.”
Consumer loans based on credit card limits, available on the Sacombank Pay app
According to Ms. Lan, in addition to the interest rate benefits, the O2 Visa card also offers other advantages: new cardholders who spend VND 2 million or more in the first 30 days will receive a cashback of up to VND 600,000. Spending at green partners like Xanh SM, Vinamilk, or Decathlon will result in a cashback of VND 300,000/month, encouraging smart spending while promoting a green lifestyle and environmental protection.
Additionally, O₂ cardholders can proactively convert their purchases into 0% interest installments directly on the Sacombank Pay app. For transactions of VND 5 million or more, cardholders can choose flexible 3 or 6-month installments and get a conversion fee waiver of up to VND 1 million. This is especially meaningful for low-income earners, helping them invest in their jobs or stores without resorting to black-market credit, which often entails risks.
Seamless Benefits – Connecting Convenience and Promoting Cashless Payments
This summer, Sacombank not only offers attractive benefits for the O2 Visa card but also accompanies the “Cashless Day 2025” campaign, connecting customers to the habit of safe and convenient cashless payments.
Specifically, on June 14-15, at the Ting Ting Day cashless festival on Nguyen Hue Walking Street (Ho Chi Minh City), the Sacombank booth will feature exciting cashless payment experiences and attractive promotions.
This summer, let’s enjoy Sacombank’s daily promotions. For more information about the promotions, please contact the hotline 1800 5858 88 or visit HERE.
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In the midst of a robust stock market recovery, VPBank Securities slashes margin interest rates to an all-time low of just 6.6%/year. This unprecedented offer is accompanied by a host of other benefits, including lifetime waiver of trading fees, loyalty points redeemable for gifts upon account opening, and exciting gaming rewards.
“Fueling the Digital Economy: Sacombank Champions Cashless Day 2025”
“Embarking on a journey towards a cashless society, Sacombank takes the lead yet again. As a proud Silver Sponsor of the ‘No-Cash Day’ initiative in 2025, we are committed to fostering modern spending habits. This year’s theme, ‘Embracing a Digital Economy through Cashless Payments,’ aligns perfectly with our vision of empowering individuals and businesses to thrive in a modern, cashless world.”
“VIB Business Card: A Double Win for SMEs – Save on Operations and Earn Cashback on Spending.”
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Is Cheap Credit Always a Good Idea for Home Buyers?
Mortgage interest rates are at an all-time low for young people under 35, with some banks offering rates as low as 3.88% per annum and loan periods of up to 40 years. As a result, the outstanding balance of housing loans has improved since the beginning of the year.
“Special Financing Options for Young Adults: Homeownership Made Easy.”
“There’s no place like home” is an adage that rings true for many, especially young people embarking on their journey to build a secure future. Owning a stable home provides a solid foundation for career growth and a sense of belonging. Recognizing this, banks are offering an array of attractive home loan packages, including exclusive credit programs for youth under 35 years of age to purchase social housing.
