VIB Smart Duo - Optimized Cash Flow Solution with Returns up to 9.3%

Vietnam International Bank (VIB) officially launches an industry-leading profit solution that combines the Super Account with the cashback-enabled Smart Card. This marks a strategic advancement in cash flow management, enabling users to maximize the value of both idle funds and daily spending with compounded benefits of up to 9.3%. This Smart Duo is set to be a game-changer, reshaping the way Vietnamese consumers perceive and leverage the earning potential of every single dollar.

The VIB Smart Duo combines the Super  Account with the cashback-enabled Smart Card, optimizing the value of both idle funds and daily spending with compounded benefits of up to 9.3%

Smart Duo: VIB’s Next Step in Unlocking the Full Potential of Cash Flow

Ms. Tuong Nguyen – Deputy CEO of VIB – shared about the newly launched Smart Duo solution: “The combination of the Super Account and the Smart Card marks VIB’s next strategic step in its mission to unlock the benefits of cash flow and to empower Vietnamese consumers to take control of every dollar they own. Whether idle or already spent, each unit of capital carries within it the potential to generate returns.”

“If the Super Account has already introduced users to the concept of idle cash flows working on their own to deliver daily returns of up to 4.3% per year, then the Smart Card represents the way online transactions can generate cashback of up to 5%. When used together, customers who frequently maintain liquid balances in their accounts not only enjoy combined benefits of up to 9.3%, but also embrace a new financial trend that is more proactive, smarter, and more disciplined,” Ms. Tuong added.

By integrating the Super Account with the Smart Card, customers are offered a holistic solution designed with deep consumer insights, delivering dual benefits directly from both idle funds and online spending transactions.

The Smart Duo reflects VIB’s commitment to accompany every Vietnamese consumer in the long run—affirming the bank’s user-centric approach and its continuous innovation to lead the way in smart finance.

In the era of digital finance, smart consumers cannot afford to let their capital lie idle

A Win-Win Value: Idle Money Earns, Spending Pays Back

If your cash flow is not generating any benefits while left unused or spent, it means your capital has yet to be optimized in the digital finance era—where money should move flexibly, earn automatically, and create value even before being invested. The VIB Smart Duo provides the answer: delivering daily returns on idle funds through the Super Account, while rewarding every online transaction with the Smart Card. In this way, every unit of your money creates two parallel streams of value—earning when idle, and rewarding when spent.

The Super Account, one of the two core components of the Smart Duo, was introduced by VIB in early 2025. It has already attracted hundreds of thousands of users thanks to its ability to generate daily returns of up to 4.3% per year on idle balances, while still offering full flexibility for seamless spending. Only a few months after launch, the product had already won three international awards: “Best Customer Choice Savings Solution, Vietnam 2025” by International Finance Awards; “Best Customer Benefits Savings Account 2025” by Global Brands Magazine; and “Next-Generation Savings Account – Most Customer-Centric in Vietnam 2025” by Global Business Outlook. The product also helped VIB set a national record, with nearly 100,000 profit-generating accounts activated in a single day (May 17, 2025).

The VIB Smart Card offers cashback of up to VND 10.8 million per customer per year

The VIB Smart Card is one of five products in VIB’s global debit card portfolio, offering cashback of up to 5%. Designed to meet daily spending needs while enhancing financial management, the card provides cashback on every online transaction with no minimum spending requirement—showcasing a superior advantage in maximizing value from each customer’s financial activity.

Cashback is calculated based on the average debit account balance of the previous month, thereby encouraging better money management. The higher the maintained balance, the greater the cashback opportunities—up to VND 10.8 million per customer per year. The Smart Card supports both domestic and international transactions, making it ideal for online payments, e-commerce purchases, digital services, as well as daily needs such as travel, dining, and entertainment. With no limit on supplementary cards, families can easily allocate spending limits and manage expenses across members.

The combination of the two products not only delivers practical benefits but also sets a new standard in the way Vietnamese consumers perceive cash flow: idle money earns, and spending pays back.

Smart Duo – A Strategic Breakthrough Ushering Vietnamese Consumers into a New Era of Dual Returns

In an era where cash flow must move flexibly and efficiently, smart consumers cannot afford to let their capital lie idle. Knowing how to leverage every unit of money to generate dual value is becoming an essential financial skill. VIB’s Smart Duo is not just a financial solution—it is a lever that empowers individuals to step into a new era of dual returns, where every dollar is deployed at the right time and in the right way.

With the Smart Duo, VIB continues to assert its leadership role in shaping the retail banking trend in Vietnam

VIB’s Smart Duo also marks a major milestone in the financial sector by introducing, for the first time, a new concept of earning potential: even a small amount of capital can generate two streams of benefits—both interest and cashback. This represents a paradigm shift, allowing users to enjoy both liquidity and profitability in a single solution, instead of having to choose between the two.

The Smart Duo is the result of VIB’s continuous focus on user behavior, listening to real needs to create a comprehensive, easy-to-understand, and easy-to-use solution that generates daily returns. Both products are developed on the MyVIB platform—Vietnam’s most innovative digital bank in 2024—leveraging modern technologies such as Cloud, Big Data, AI, and notably GenAI to personalize experiences and optimize cash flow according to each user’s actual spending behavior. To access this dual-benefit solution, users simply need to log into the MyVIB digital banking app, open a new payment account, apply for the Smart Card, and activate the Super Account.

With the Smart Duo, VIB continues to assert its leadership in shaping the retail banking landscape in Vietnam. The duo not only advances the digital financial experience but also reshapes the modern perspective on earning potential: cash cannot remain idle—it must move intelligently to continuously create value.