Spend smart with your card, enjoy to the fullest, and elevate your experience

With smart usage tips, a credit card is not just a payment tool, but also a key that opens up a world of colorful experiences for the cardholder.

Credit cards have increasingly become a popular payment tool, offering many conveniences for users. However, not everyone fully understands the prominent benefits of this type of card, which leads to hesitations and concerns about controlling spending. In fact, a credit card can become one of the most effective tools for managing personal finances if used correctly.

One of the standout advantages of credit cards is the ability to "spend now, pay later," with an interest-free grace period of up to 55 days, depending on the card type. By simply paying attention to the payment deadline, cardholders can easily "spend the bank’s money" for their personal needs without missing out on experiences. Moreover, since credit cards always come with spending perks, many cardholders cleverly "take advantage" of these to save a significant amount. Banks have now designed specific cards with offers tailored to specific fields, aligned with consumer preferences.

Smart Spending in All Aspects of Life

Thu Trang (32 years old, Hanoi) shared that after getting married, discovering and gradually switching to using a credit card instead of cash helped her manage her spending more efficiently. Taking advantage of the "spend now, pay later" feature, she avoided touching her emergency cash reserves while also saving money by actively seeking card promotions.

"With a large family, I shop at supermarkets almost every day. I often choose to pay with my TPBank JCB Reward card, partly because it's convenient, and partly because the card has a feature that multiplies reward points five times on the TPBank App. From those points, I can convert them into vouchers for dining, phone top-ups, or gifts. The TPBank App also often has discount vouchers from brands my family loves, such as Highlands Coffee, Phuc Long, Grab, Be, so I make sure to swipe the card to earn points."

"In addition, my husband also owns a TPBank Visa Gold card with 6% cashback on weekend dining expenses. So every Saturday and Sunday, our family simply chooses a favorite restaurant to enjoy. Some months, we get cashback up to 600,000 VND," Trang shared.

In addition to regular expenses, for trips or business travel during the year, her family often books hotels in advance through Booking.com with the TPBank Visa Gold card to get up to 10% cashback. Travel tour services and other experiences are also discounted by up to 12% on the Klook app.

Trang plans to open a TPBank World MasterCard after hearing from friends that it offers 8% cashback (up to 36 million VND/year) on medical and educational expenses. With two young children about to start school, her family regularly has to pay a significant amount in tuition fees. With the cashback feature of the TPBank World MasterCard, Trang's family expects to save a considerable amount.

Upgrading Cards, Upgrading Benefits

Minh Phuc (23 years old, Hai Phong), who first got a TPBank Visa Classic card when he entered university, said he opened the card because "there’s no harm in it." "It was introduced as a card with no annual fee and the annual fee is refunded in subsequent years if spending meets the requirements. Plus, I earn points on the TPBank App for every transaction, so I opened the card during my student days mainly for small online purchases. After a while, I don’t remember how I 'leveled up,' but now I’ve had the TPBank Visa Platinum card for over a year. This higher-tier card is even better because I often get up to 10% cashback (up to 12 million VND/year) on spending at platforms like Grab, Netflix, YouTube Premium, etc.," Phuc shared.

Meanwhile, Thanh Viet (35 years old, Ho Chi Minh City), a high-end TPBank customer for three years, currently owns the "powerful" TPBank Visa Signature card. For him, the card is almost an inseparable companion as it not only offers a high spending limit but also boasts exclusive benefits such as: 8% cashback (up to 60 million VND/year) on travel and resort spending; unlimited free access to over 1,100 international airport lounges worldwide; the lowest foreign exchange conversion fee in the market (only 0.95% of the transaction value), etc.

As a true "card expert," in addition to the TPBank Visa Signature, Việt also owns the newly launched TPBank JCB Cashback card. He shared that he was attracted by the 10% cashback (up to 12 million VND/year) on dining expenses and a range of dining offers, such as a 200,000 VND discount at restaurants like iSushi, GoGi, Manwah, Ashima, Kichi Kichi, K-pub, Shogun, Hutong, Sumo Yakikinu; up to 30% off at 21 high-end Japanese restaurants, etc.

Don’t Forget the Tips for Safe and Effective Card Use

While credit cards are convenient financial tools, to use them effectively, cardholders need to follow some important tips. First, always pay on time to avoid late fees and high interest rates. Next, set a spending plan and avoid shopping beyond your financial capacity to proactively manage your budget. Most importantly, cardholders should always maintain security by not sharing card details or OTP codes with others when making online payments.

When used correctly, a credit card is a useful tool that allows cardholders to enjoy exclusive perks while maximizing the benefits of the card, thereby improving the quality of life and building a solid financial foundation.

Explore more credit card offers from TPBank [HERE].

For more information about TPBank credit card products, please visit [HERE] or visit any TPBank branch or transaction office, or contact TPBank's 24/7 customer service hotline at 1900 6036/1900 58 58 85 for consultation.