The VIB Business Card: Unlocking the Ultimate in Flexible Benefits and Interest-Free Freedom

This milestone underscores VIB’s leadership in providing optimal financial solutions tailored to meet the operational and growth needs of Vietnamese enterprises.

Maximum Flexibility – Choose Benefits That Match Your Business Needs

What sets VIB Business Card apart, as recognized by Vietnam Records, is its unique ability to allow businesses to customize their card benefits. Breaking free from the constraints of fixed policies, business owners can now proactively adjust their card benefits to align with their evolving business needs.

With a lifetime waiver on annual fees and an interest-free period of up to 58 days, this option is particularly advantageous when businesses aim to optimize their operating costs and cash flow. The 58-day interest-free period—the longest in the market for business credit cards—provides businesses with nearly two additional months to utilize the card’s credit line without incurring any interest charges. This financial leverage empowers businesses to confidently make payments, purchase inventory, invest in marketing and advertising, or cover other expenses without straining their existing cash flow. The lifetime waiver on annual fees also contributes to significant long-term cost savings for businesses.

For businesses with regular expenses in specific areas, such as online advertising, software, technology services, travel, or essential utilities, the uncapped cashback option of up to 1% offers direct financial benefits. Businesses can register for spending categories that align with their operations and receive a considerable cashback on their monthly expenditures. For businesses with substantial regular expenses, the cashback amount can equate to significant savings.

Notably, businesses can effortlessly switch between these two types of benefits at any time through a simple process via VIB’s hotline. Regarding the cashback categories, businesses can conveniently make changes through the VIB Business or VIB Corp digital banking applications. This unprecedented flexibility ensures that the VIB Business Card remains a versatile financial tool, quickly adapting to shifts in business strategies and requirements during different growth stages.

58-Day Interest-Free Period – Optimizing Cash Flow for Enhanced Business Performance

The 58-day interest-free period is not only a record-breaking figure but also a significant competitive advantage of the VIB Business Card. While most other business credit cards offer shorter interest-free periods, VIB Business Card provides a substantially longer duration, enabling businesses to effectively plan and manage their cash flow.

Having nearly two months to utilize the card’s credit without incurring interest charges improves the business’s liquidity, allowing them to retain cash in their accounts for longer. This ensures they can respond to emergency expenses or seize attractive investment opportunities. With a credit limit of up to VND 1 billion, businesses can optimize their capital for profitable ventures or simply reduce borrowing pressures. Moreover, by maximizing the interest-free period, businesses can minimize or even eliminate interest expenses associated with card transactions.

Sharing their experience, a representative from a partner enterprise remarked: “The ability to choose between the longest interest-free period in the market and uncapped cashback truly offers the flexibility our business needs. There are times when we prioritize optimizing our cash flow with the 58-day interest-free period for significant investments, but when our fixed expenses increase, switching to the cashback benefit helps us save considerably. The VIB Business Card is not just a payment tool; it’s an effective financial management solution.”

Additionally, VIB Business Card offers exclusive benefits such as allowing business customers to make payments from their card to their account, providing flexibility in choosing the minimum payment ratio and payment date, and offering unlimited lounge access when spending VND 500 million or more in the previous year. These privileges can be registered entirely online here.

Reinforcing Leadership in Setting Card Trends

VIB not only offers flexible credit card products with superior benefits but also solidifies its pioneering position in the market through innovation and technology adoption in launching groundbreaking card lines and features.

Testament to this leadership is the recognition from Vietnam Records. Notably, the VIB Super Card—the first credit card in Vietnam to allow users to personalize features according to their unique needs. Furthermore, VIB was the first bank in Vietnam to employ AI technology to personalize the appearance of credit cards, enabling customers to customize the images on their cards.

Extending this innovation to the business segment, VIB Business Card is a trailblazer in Vietnam, offering unparalleled flexibility for businesses to select and modify financial benefits, coupled with an attractive 58-day interest-free period. With this product, VIB reinforces its leadership in the credit card market and underscores its commitment to accompanying Vietnamese enterprises in their journey towards sustainable growth by offering innovative, flexible, and effective financial solutions.