Breakthrough with personal credit card products
Mastercard awarded SHB The Credit Growth Trailblazer Award to SHB Mastercard personal credit cards for impressive growth, while providing a flexible spending experience with many incentives and user protection features.
From October 2024 to September 2025, SHB Mastercard credit card transaction sales increased by nearly 170% over the same period last year, the number of cards increased by more than 200% compared to 2024, showing the attraction of the product in the market.
To achieve this result, SHB focuses on developing practical use value and personalizing experience for each customer group, while expanding the incentive ecosystem and optimizing the card usage journey, from issuance to payment and spending management.
In addition to upgrading utilities, SHB has promoted product lines according to each specific need. For example, SHB Mastercard World card is for high-end customers with golf, food and airport lounge privileges worldwide; SHB MC Cashback with superior refunds in essential spending groups such as supermarkets, education, healthcare, insurance, fashion; and SHB Truly Free brings a "no hidden fees spending" experience, suitable for young customers who love financial freedom, along with the card family ecosystem, structured based on the needs of family members.
In addition, SHB has implemented many incentives based on actual daily spending behavior, such as discounts when shopping on Shopee every Saturday, incentives on Grab services, foreign currency spending incentives, refunds on the couple days of the year, and installment incentives for many spending portfolios.
tailored to serve corporate customers
In parallel with impressive growth in the segment of famous credit cards for individual customers, SHB was also awarded the Next Gen Commercial Solution Award by Mastercard for SHB Mastercard corporate credit cards.
SHB Mastercard Business platinum Business Credit Card, the first card product exclusively for businesses launched in 2025, is designed to solve the need for mobile capital for businesses in the process of expanding operations, paying/ordering urgently or arising unexpected costs. The product provides quick access to capital with flexible assured assets, helping businesses proactively rotate capital without business interruption.
Along with that, business cardholders enjoy a series of outstanding benefits such as annual free for the first year, interest-free period up to 58 days - the top competition in the market, spending refund up to 10% for each statement period, foreign currency conversion fee of only 1.79%, and unlimited enjoyment of SHB First gold-plated lounge at Noi Bai airport for both main and secondary cardholders, accompanied by a companion.
SHB representative said: The awards from Mastercard are a recognition of SHB's efforts in developing modern, practical card solutions that are suitable for the spending behavior of each customer group. We will continue to accompany the State Bank's orientation in promoting cashless payments, while expanding the service ecosystem to bring a safer and more convenient transaction experience to domestic and international users.
Always a pioneer in creativity and innovation, SHB has continuously developed products and services based on a deep understanding of customer needs and behavior. SHB users will increasingly experience a diverse, modern and convenient payment ecosystem, with outstanding features such as opening a fast card, spending after just a few minutes of registration, paying via Apple Pay/Samsung Pay, and many other smart utilities.
With a vision of modern technology and a commitment to constantly improving user experience, SHB aims to become TOP 1 Bank in terms of efficiency; Most Favorite Digital Bank; Best Retail Bank and also the TOP Bank providing capital, financial products and services to private and state-owned strategic corporate customers, with supply chains, value chains, ecosystems, and green development.
Vision to 2035, SHB will become a modern retail bank, a green bank, and a digital bank in the TOP of the region.
