The VIB Profit Duo is the ultimate solution for modern Vietnamese individuals seeking to optimize their personal capital without altering their spending habits.
Revolutionize Your Financial Mindset: Start with Every Penny You Hold
Many people keep money in their checking accounts for flexibility—whether it’s for daily expenses, a down payment on a home or car, or waiting for the right moment to invest in the stock market. But what if, while waiting, that money could grow? And what if your everyday spending—from groceries to online shopping—could earn you something extra?
VIB has introduced the Profit Duo—a combination of the Super Interest Account and the Smart Global Card—designed to maximize the value of your capital in two ways. No long-term savings commitments, no investment expertise, no market monitoring, and no changes to your spending habits required. Simply use the VIB Profit Duo, and your account balance can earn up to 4.3% annually, while your online purchases earn up to 5% cashback.
Unlike traditional savings, which often provide one-dimensional value and require strict time discipline, the VIB Profit Duo ensures your money works efficiently in both saving and spending modes. This innovative approach to personal finance eliminates the need to choose between saving and spending, allowing you to optimize both intelligently and effectively.
VIB Profit Duo: One Capital, Two Streams of Benefits, Up to 9.3%
Getting started with the VIB Profit Duo is simple: open a checking account on MyVIB, register for a Smart Card, and activate the Super Interest feature to use both products seamlessly. All steps are straightforward, personalized, and user-friendly.
Once activated, your checking account automatically connects to the Super Interest Account, enabling your balance to start earning interest. You can set a default threshold of 5 million, 10 million, 50 million, or 100 million VND. Any balance exceeding this threshold is automatically transferred to the Super Interest Account to earn interest. If your balance falls below the threshold, the system automatically transfers funds from the Super Interest Account to maintain the default level. This feature allows you to spend your entire checking and Super Interest balances without additional steps.
Ms. Kim Ngân (Ho Chi Minh City), a Super Interest Account user, shared: “What I love most is the clear display of earnings on MyVIB—I know exactly how much I’ve earned and what’s pending. VIB’s website also has a dedicated page with an interest calculator. By entering the amount and time, I can see my projected earnings transparently. It’s reassuring to see my money working optimally.”
The Smart Card offers the highest cashback rates in the market, up to 5% on all online transactions (up to 10.8 million VND annually) with no minimum spending requirement. The cashback basis is flexible, calculated on the average monthly balance of the previous month, including both checking and Super Interest Account balances. This means the money you’re saving and earning interest on also determines your cashback rate for online transactions. Additionally, users can create unlimited supplementary cards for family members, maximizing opportunities to earn the highest cashback.
The Smart Card also allows users to personalize their card design using Gen AI technology, previously available for VIB credit cards. By visiting https://carddesign.vib.com.vn, users can create a unique card design. AI transforms user images into distinctive artistic styles, from fun chibi designs to elegant artworks, or users can choose from a library of pre-designed templates. This personalization feature showcases VIB’s commitment to innovative, tech-driven card services.
Shift Your Mindset and Leverage Financial Tools—No Need to Change Spending Habits
As Vietnamese individuals become more financially conscious and risk-averse, safe and flexible solutions like the VIB Profit Duo are becoming the preferred choice. The Profit Duo offers an accessible, user-friendly model suitable for all financial literacy levels.
This is a prime example of actionable finance: money doesn’t sit idle but moves intelligently, creating daily value without burdening the user. No more choosing between saving and spending, no complex investment learning—users can manage their money effectively through simple actions like saving and spending.
With the VIB Profit Duo, VIB is reshaping how Vietnamese perceive personal finance. Integrated seamlessly into the MyVIB digital banking app—”The Most Innovative AI Banking App of 2025″—powered by cloud computing, Big Data, AI, and GenAI, the Profit Duo ensures security, user-friendliness, and optimized benefits.
Super Interest Account users can select a free 6-digit account number directly on MyVIB.
Additionally, until December 31, 2025, new Smart Card users with a minimum first-month spend of 500,000 VND will receive an annual fee waiver and 250,000 reward points for shopping vouchers or cash. The total value of cashback and rewards is nearly 500,000 VND.
Maximize Cash Flow with VIB Profit Duo – Unlock Up to 9.3% Financial Optimization
VIB Bank proudly introduces its groundbreaking profit-maximizing solution, combining the high-yield Super Interest Account with the cash-back Smart Card, setting a new standard in financial innovation.
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