Golden shopping season
The last months of the year are always the "golden season" for shopping as the market enters its most vibrant phase.
Ms. Tran Quynh Nhu (35 years old, Ho Chi Minh City) confided: "Last year is always the time I open my wallets the most, from personal shopping to gifts. I often take advantage of promotional programs such as refunds, discounts when paying with cards or promotional vouchers from brands. This is both saving and getting more gifts. The feeling of smart spending is always much easier".
Meanwhile, for Duc Long (28 years old, Hanoi), working in the field of marketing, year-end shopping is not only "sale hunting", but also a way to enjoy digital life. Long often uses a banking app to pay and always watch offers and refunds because during this period, credit institutions also deploy many attractive privileges.
According to marketing experts, consumer behavior at the end of the year is changing significantly compared to before. People not only shop based on "emotions", but are starting to tend to spend strategically, taking advantage of all incentives from stores, e-commerce platforms to financial platforms.
Vietnamese people have a habit of comparing promotions, following cashback programs, accumulating points, and hunting for linked incentives between banks and brands. Therefore, brands that understand the consumption pace and attach incentives to the customer's journey of experience, instead of launching discrete promotions, will win long-term affection.
Smart spending - easily receive incentives with SHB digital ecosystem
Grasping that psychology of consumers, with the desire to help customers both enjoy the year-end shopping season and optimize spending, SHB brings a series of "touch anywhere you get gifts" incentives. Whether it's opening an international debit card, choosing a beautiful number account or simply introducing friends through the SHB SAHA app, users can immediately receive many practical gifts and valuable incentives. All are condensed into a few touch operations - fast, convenient and extremely "worthy of hunting".
New customers only need to open an eKYC account on the SHB SAHA application and select the banner of the program "Open an eKYC account - Receive gifts as desired" to immediately receive a discount code of 30,000 VND when charging their phone. For those who love "golden day incentives", SHB also immediately reduces 20,000 VND for phone charging transactions from 100,000 VND or more on the 5th, 15th and 25th of every month just by entering the NGAYVANG code.
At the same time, customers can choose beautiful number accounts for free with 12 numbers or reduce fees by up to 100% when opening accounts with 5, 6, 7, 8, 9, 10 numbers - both expressing personal style and attracting fortune according to Asian beliefs. With the program "Immediate introduction - Millions in hand", SHB continues to spread the joy of connection when the introductor receives 30,000 VND in prize money for each introduction of friends to successfully open an EKYC account, while the introduced person also immediately receives an eVoucher worth 30,000 VND.
In particular, customers who love spending with cards cannot miss the program "Using quality cards - ecstatic gifts". When opening new and activating SHB Mastercard or SHB Visa Debit international debit cards, customers will immediately receive an eVoucher of 50,000 VND to top up their phone on the SHB SAHA app and 50,000 Reward points when transactions from 200,000 VND arise. Existing cardholders also have the opportunity to repay up to 200,000 VND when spending online on upcoming golden shopping days such as November 11, November 20, December 12 or December 24.
A SHB representative said that this promotional chain has been implemented continuously by the bank since the beginning of 2025 and has continuously received positive feedback from a large number of customers.
“With SHB, each transaction is not just a number, but an opportunity to bring joy and the feeling of being cared for to customers. We want to work with customers to form smart, safe and convenient spending habits. As the year-end shopping season approaches, SHB will continue to launch more new incentives to make the financial journey of Vietnamese people easier and more inspiring” - the bank representative shared.
