Best credit card for MCC 3721 in Vietnam

MCC 3721 · Hilton Conrad · Hotels and Motels

For MCC 3721 (Hilton Conrad) in Vietnam, the Sacombank Platinum American Express gives the highest cashback at 20% (cap: VND 1,000,000 per statement (all categories combined)).

Tick the cards you hold to see which one to use here.

Based on published card terms, last checked 2026-10-01. Rates, caps and exclusions change; confirm with your bank before relying on them.

Cards ranked for MCC 3721

Best overall

1.Sacombank Platinum American Express20% cashback · cap: VND 1,000,000 per statement (all categories combined)≈ 20% back
2.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
3.Sacombank Visa UNIQ Platinum0.5% cashback≈ 0.50% back
4.Vietcombank Cashplus Platinum American Express0.5% cashback≈ 0.50% back
5.HSBC Cash Back Credit Card0.3% cashback≈ 0.30% back

Miles are converted at your mile value.

Cashback cards

1.Sacombank Platinum American Express
Hotels
Cap VND 1,000,000 per statement (all categories combined)
Terms checked 2026-10-01 · Issuer terms ·
20% cashback
2.VIB Super Card
Chosen category: Travel
Cap 500,000 points per category per statement; 1,000,000 total
Choose one category in MyVIB. The published list is airline codes 3000–3308, hotel codes 3501–3838, 3998 (China Railway) and 7011. It does NOT include 4511 or 4722.
Terms checked 2026-10-01 · Issuer terms ·
10% cashback
3.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
4.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
5.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
6.HSBC Live+ Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
7.Techcombank Spark
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
8.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
9.VPBank Lady Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
10.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Sources (28)

FAQ

Which credit card is best for MCC 3721 in Vietnam?

For MCC 3721 (Hilton Conrad) in Vietnam, the Sacombank Platinum American Express gives the highest cashback at 20% (cap: VND 1,000,000 per statement (all categories combined)).

What is MCC 3721?

MCC 3721 is the merchant category code for Hilton Conrad (Hotels and Motels). MCC 3721 is a travel & entertainment code assigned to Hilton Conrad, one of the hotel chain-specific codes in the 3501–3999 range. Card networks use these codes so purchases made directly with the hotel chain are identifiable; merchants without a dedicated code use MCC 7011 (Hotels, Motels, and Resorts). Stays booked and prepaid through booking sites or travel agencies usually post under the booking site's code instead.

MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.

Best credit card for MCC 3721 in Vietnam

MCC 3721 · Hilton Conrad · Hotels and Motels

For MCC 3721 (Hilton Conrad) in Vietnam, the Sacombank Platinum American Express gives the highest cashback at 20% (cap: VND 1,000,000 per statement (all categories combined)).

Tick the cards you hold to see which one to use here.

Based on published card terms, last checked 2026-10-01. Rates, caps and exclusions change; confirm with your bank before relying on them.

Cards ranked for MCC 3721

Best overall

1.Sacombank Platinum American Express20% cashback · cap: VND 1,000,000 per statement (all categories combined)≈ 20% back
2.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
3.Sacombank Visa UNIQ Platinum0.5% cashback≈ 0.50% back
4.Vietcombank Cashplus Platinum American Express0.5% cashback≈ 0.50% back
5.HSBC Cash Back Credit Card0.3% cashback≈ 0.30% back

Miles are converted at your mile value.

Cashback cards

1.Sacombank Platinum American Express
Hotels
Cap VND 1,000,000 per statement (all categories combined)
Terms checked 2026-10-01 · Issuer terms ·
20% cashback
2.VIB Super Card
Chosen category: Travel
Cap 500,000 points per category per statement; 1,000,000 total
Choose one category in MyVIB. The published list is airline codes 3000–3308, hotel codes 3501–3838, 3998 (China Railway) and 7011. It does NOT include 4511 or 4722.
Terms checked 2026-10-01 · Issuer terms ·
10% cashback
3.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
4.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
5.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
6.HSBC Live+ Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
7.Techcombank Spark
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
8.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
9.VPBank Lady Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
10.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Sources (28)

FAQ

Which credit card is best for MCC 3721 in Vietnam?

For MCC 3721 (Hilton Conrad) in Vietnam, the Sacombank Platinum American Express gives the highest cashback at 20% (cap: VND 1,000,000 per statement (all categories combined)).

What is MCC 3721?

MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.