Visa O₂ Card – A transparent, safe credit solution to replace black credit

The Visa O₂ card from Sacombank opens the door to opportunity - not only helping users manage spending flexibly and borrow quickly and safely, but also promoting a green, environmentally friendly lifestyle. With the Visa O₂ card, you can confidently pursue your plans without worrying about hidden costs or the risks associated with black credit.

Visa O₂ Card - A transparent, safe credit solution to replace black credit.

Light interest, fast consumer loans via card 

Ms. Le Minh Tuyet, a worker in Binh Dương, shared: "Last month, my child was hospitalized, and I urgently needed money. I was hesitant to borrow from outside sources due to high interest rates. I tried a consumer loan through the Sacombank Pay app, using the credit limit of my Visa O₂ card. Within minutes, I had the funds, with an interest rate of only 1% per month - much lighter than other options, with no cumbersome paperwork, and no stress about aggressive debt collection like black credit."

Indeed, the Visa O₂ card offers a transparent online consumer loan solution with competitive rates: 12% per year for 2–5 months and 15.6% per year for 6–60 months - significantly lower than the market average. Borrowers can apply entirely online with quick approval. Loan amounts can reach up to 90% of the card’s credit limit, capped at VND 100 million, and payments can be made in flexible installments via the Sacombank Pay app.

Mr. Le Hoang Nam, a freelance ride-hailing driver in HCMC, also faced challenges due to not having a fixed salary. "I don’t have a payroll contract, just daily ride income. I used to borrow from acquaintances at high interest rates. Now, with the Visa O₂ card, as long as I top up on time and manage my spending wisely, I can borrow directly through the app - no external risks, low interest, and it feels much safer," he shared.

Visa O₂ - A proactive financial solution for small business owners

Beyond workers and freelancers, the Visa O₂ card is also a valuable tool for small business owners who often need working capital but hesitate to go through traditional bank loan processes.

Ms. Pham Thi Lan, a grocery store owner in Dong Nai, noted:
"Initially, I thought the Visa O₂ card was only for spending, but I didn’t expect to be able to borrow directly online. This summer, I needed over VND 70 million for inventory but couldn’t arrange it in time. Thanks to the Visa O₂ card, I borrowed via Sacombank Pay and received the funds instantly. The 15.6% annual interest rate is very reasonable - much lower than external sources."  

Consumer loans based on your credit card limit, directly through the Sacombank Pay app.

According to Ms. Lan, in addition to competitive rates, the Visa O₂ card also provides a variety of benefits. New cardholders who spend VND 2 million or more within the first 30 days can receive up to VND 600,000 cashback. Users can also earn monthly cashback of VND 300,000 when shopping at eco-conscious partners such as Xanh SM, Vinamilk, and Decathlon - encouraging smart spending and supporting a greener lifestyle.

Moreover, Visa O₂ cardholders can easily convert their spending into 0% interest installment plans via the Sacombank Pay app. For transactions of VND 5 million or more, users can choose 3- or 6-month plans and receive up to VND 1 million in conversion fee refunds. This feature is especially meaningful for low-income earners, enabling them to invest in work or business expansion without turning to risky black credit.