The mark of 'SHB Card Family' with customers is not only technology, incentives and user experience but also the trust and loyalty of cardholders.
SHB personalizes each card product According to a recent study by Medallia - a US-based customer experience management company, 82% of consumers tend to choose brands that can provide them with personalized experiences based on behavioral insights. In particular, age attributes, spending needs and touch points on the user's payment journey are top priorities. Identifying these key factors, a number of businesses and financial institutions in Vietnam have focused on developing products according to the needs of each customer group. For example, in developing credit cards at SHB, right from the idea stage, the marketing team has carefully researched consumer behavior to build appropriate policies for each customer group such as golfers, businessmen, managers, housewives, young people of generation Z... Moreover, this bank also structures product lines according to family members. As with the 3 Visa Platinum/Platinum Star - Mastercard Cashback - Mastercard FCB card lines in the "SHB Card Family" ecosystem, through the survey, fathers in the family who often have to travel far for work, meet guests, and stay will be suitable to use the Platinum card line. This card line has exclusive incentives including using airport lounges, luxury restaurants, resort hotels, etc. As for the Cashback/FCB card with outstanding incentives such as discounts and refunds from a series of brands and restaurants, this card line is suitable for mothers and children who love shopping, traveling, and eating. Owning a card in this ecosystem, Ms. Nguyen Thu Hoai (45 years old - Hanoi) said that she was very impressed with the Mastercard Cashback card line. "As the general manager of the whole family, in addition to paying for food, groceries, etc. for the family's daily meals, I also pay for my children's school fees, medical expenses, insurance, etc. Therefore, I really need a card with a high cashback discount to offset some of my monthly expenses. And the SHB Mastercard Cashback card has met that need," Ms. Hoai shared.
SHB cardholders have the opportunity to own the latest Iphone 16 Promax - Photo: SHB
Attractive gifts for cardholders Another extremely impressive highlight for SHB cardholders is that the bank always offers many rich incentives and promotions.
The number of gifts will vary, depending on the time the bank implements the incentive program. However, customers in the "SHB Card Family" ecosystem will always receive certain privileges to optimize benefits when using.
For example, from now until February 28, 2025, all international credit cardholders will receive a 50% reduction in foreign currency transaction conversion fees with each incentive level applied to each card type. Accordingly, each Mastercard World card will receive a discount of no more than VND 5 million; Visa Platinum/Visa Platinum Star cards will receive a discount of no more than VND 3 million and Mastercard Cashback/FCB cards will receive a maximum of VND 2 million. In particular, at the end of the program, the 5 customers with the highest foreign currency spending turnover for each card line will be considered for awards and have the opportunity to own extremely valuable gifts, including 1 first prize of an iPhone 16 ProMax phone worth VND 37 million; 1 second prize of an iPad Apple Air 6 worth VND 24 million and 3 third prizes of Apple Watch Series 10 watches worth VND 13 million each. During this period, customers who register to open a new SHB Visa Platinum/Visa Platinum Star card and have a minimum spending turnover of VND 8 million or more will receive a refund of VND 1 million. Cardholders will also receive a refund of up to 5% (up to VND 600,000) from SHB if their total cumulative sales for the food and beverage sector on Saturday and Sunday are from VND 500,000/statement period... With SHB Mastercard credit cards (Casback and FCB), new cardholders who open a new card and have a minimum spending turnover of VND 5 million will immediately receive a refund of VND 500,000. Customers will also be exempted from 3-month installment fees or receive a 20% discount on 12-month installment fees at all payment points similar to other credit cards. Notably, from 9:00 a.m. to 11:59 p.m. every Saturday, customers who shop online on Shopee and pay with SHB Mastercard international credit cards will receive an E-voucher for a direct discount of VND 100,000 for orders from VND 600,000. In addition, customers who own a card in the SHB card family will receive a maximum discount of VND 40,000/trip when using Xanh cars including Xanh Car Taxi/Xanh Car Luxury/Xanh Bike/Xanh Express. SHB representative shared, "Understanding customers is clearly demonstrated through products that are "tailored" specifically for each customer group. That is also SHB's strategy for developing card lines over time to best serve individual customers." "SHB card family" is the beginning of SHB's strategy to reposition international credit cards in a personalized direction, currently including 4 cards: SHB Visa Platinum, SHB Visa Platinum Star, SHB Mastercard Cashback and SHB Mastercard FCB. As of October 31, 2024, the number of newly issued cards increased by 55% compared to 2023. Transaction turnover of these card lines increased nearly 2 times.
In 2023, SHB was honored to receive the award "Bank with the best growth in card transaction volume in 2023 - New Superstar in Payment Volume Growth 2023" from VISA and Top 50 trusted products and services in Vietnam 2023 awarded by Vietnam Economic Magazine.
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