Special offer package for customers receiving salaries via BIDV accounts
As the Best Retail Bank in Vietnam for many consecutive years as voted by The Asian Banker, BIDV always strives to bring practical financial value to customers with the desire to accompany customers on every journey of life.
BIDV is pleased to announce the launch of a special appreciation program for individual customers receiving salaries through BIDV accounts, with the following specific benefits (*):
Loan Benefits
For customers who need loans for living expenses and do not have collateral, BIDV offers competitive interest rates with a loan limit of up to VND 1 billion. The loan limit depends on the customer's average monthly income received through their BIDV account, with no minimum income requirement. In particular, BIDV offers a 100% online salary loan product, requiring no collateral, with fully automated loan registration and disbursement on the BIDV SmartBanking app, with a loan limit of up to VND 100 million (maximum 70% of the customer's monthly income).
For customers who need to borrow to buy a house, car, or for consumer purposes with collateral, they can borrow up to VND 5 billion, with a maximum loan term of 30 years and preferential interest rates exclusively for customers who receive their salary through a BIDV account.
Most recently, BIDV has successfully launched the "With BIDV, young people can own a home" credit package for customers under 35 years old who wish to purchase a home for permanent residence and are currently receiving 100% of their income through a BIDV account, supporting young customers in realizing their dream of "young people owning a home."
Benefits when issuing a card:
When receiving salary payments through a BIDV account, customers can enjoy a comprehensive card ecosystem with numerous outstanding benefits.
BIDV waives the issuance fee and first-year annual fee for domestic/international debit cards and international credit cards. In particular, customers who receive their salary at BIDV are exempt from ATM withdrawal fees at BIDV ATMs for the first year.
Credit card limits of up to VND 1 billion, 45 days interest-free, along with many attractive offers, including cashback of up to 10% on transactions.
With the newly launched BIDV JCB Hybrid multi-functional card, customers are exempt from lifetime annual fees if they spend a minimum of VND 500,000 within one month from the date of issuance.
Account package benefits:
In addition, BIDV continues to implement a "zero fee" policy for salary accounts at the bank. Accordingly, payment accounts do not require a minimum balance and are exempt from default account management fees when financial transactions occur on Smartbanking during the month. Transfers within and outside the BIDV system are also completely free on BIDV SmartBanking, along with free OTT messages, SmartBanking maintenance fees, and many discount codes and B-point accumulation when conducting transactions on the app.
Online deposit interest rates offer an additional 0.6%/year compared to the interest rates listed at the counter. In particular, salary customers can convert B-points into preferential interest rates when making online savings deposits, with an additional 0.2%/year (for terms of 3 or 6 months, with deposits of VND 50 million or more). Enjoy up to 50% off international transfer fees and receive a premium account number worth up to 30 million VND.
(*) Detailed terms and conditions for products and services comply with BIDV's current regulations at each period.
For more information, please contact any BIDV branch nationwide or call the 24/7 Customer Service Center at 1900 9247.