Simplify your wallet, lighten your life – Visa O₂ card empowers young people to master their finances

Build your minimalist lifestyle with the Visa O₂ card.

Visa O₂ card – Start your minimalist lifestyle from your wallet

Minimalism isn’t about eliminating everything - it’s about keeping only what truly matters. In personal finance, this means simplifying your tools and avoiding reliance on too many apps, accounts, or financial products. Young people increasingly want to manage everything - from spending to borrowing - on a single, streamlined platform.

Sacombank’s Visa O₂ was designed with that mindset. With just one card and the Sacombank Pay app, users can make cashless payments, monitor credit limits and statements, apply for online consumer loans, and convert purchases into flexible installments.

“I used to juggle multiple financial tools, each with its own perks, but it got overwhelming. Since switching to Visa O₂, everything is consolidated in one app: spending, tracking limits, and managing installments are so easy. It feels like my wallet’s been ‘decluttered,’ and everything is clearer and lighter,” shared Trần Thanh Duy, a 28-year-old office worker in HCMC.

Beyond streamlining tools, Visa O₂ helps users become more conscious of their consumption. By showing the CO₂ emissions generated per transaction, the card encourages more responsible choices - like opting for electric vehicles over gas-powered ones, buying local products instead of imports, or shopping at green businesses.

Easing financial worries – Living simply and stress-free

One of the biggest barriers that prevent young people from using credit cards is the fear of high interest rates, overspending, or complex loan procedures. Visa O₂ eliminates these concerns by integrating “borrow – spend – control – and cashback” functionalities directly into the Sacombank Pay app, with a simple process and fully transparent interest rates.

Specifically, users can apply for consumer loans directly through the app with no paperwork. Loan amounts can reach up to 90% of the card’s credit limit (up to VND 100 million), with preferential interest rates starting from just 1% per month (equivalent to 12% per year). Purchases over VND 5 million can be converted into 0% interest installments (over 3 or 6 months), with 100% of the conversion fee refunded (up to VND 1 million) - all managed conveniently through the app, without hotline calls or paperwork.

“As a freelancer, my income fluctuates - some months are good, others are tight. Before, when I needed money urgently, I didn’t know where to borrow safely and quickly. Since using Visa O₂, I feel more secure. I can borrow directly from the app, with clear interest rates and repayment terms. This financial control gives me more confidence in both life and work,” said Nguyễn Thị Phương Linh, a 25-year-old freelancer in Hanoi.

When financial management becomes simple and transparent, young people can focus on what matters most in life.

Beyond convenience, Visa O₂ also promotes smarter spending through conditional cashback programs. Users can earn VND 300,000 in monthly cashback when spending at green partners such as Xanh SM, Vinamilk, or Decathlon - saving money while supporting eco-friendly choices. This makes spending more meaningful: spend when necessary, and for values that matter.

When financial management becomes simple and transparent, young people can focus on what truly matters in life. More than just a payment tool, Visa O₂ empowers the new generation to take control of their spending, simplify access to capital, and master their financial journey - all at their fingertips.

Visa O₂ doesn’t make you spend less - it helps you spend at the right time, in the right way, and for the right values, so every financial decision feels light, confident, and responsible.