Best credit card for MCC 4121 in Vietnam

MCC 4121 · Taxicabs and Limousines · Transportation

For MCC 4121 (Taxicabs and Limousines) in Vietnam, the Sacombank Visa UNIQ Platinum gives the highest cashback at 20% (cap: VND 300,000 per statement (supermarket + transport 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 4121

Best overall

1.Sacombank Visa UNIQ Platinum20% cashback · cap: VND 300,000 per statement (supermarket + transport combined)≈ 20% back
2.TPBank EVO Visa10% cashback · cap: VND 250,000 per category; VND 500,000 per statement≈ 10% back
3.HSBC Cash Back Credit Card6% cashback · cap: VND 200,000 per calendar month≈ 6.0% back
4.Sacombank Platinum American Express0.5% cashback≈ 0.50% back
5.Vietcombank Cashplus Platinum American Express0.5% cashback≈ 0.50% back

Miles are converted at your mile value.

Cashback cards

1.Sacombank Visa UNIQ Platinum
Ride-hailing / transport apps
Cap VND 300,000 per statement (supermarket + transport combined)
Reference merchants: Be, Grab, Mai Linh, Xanh SM, GSM, Vexere, Futa, Superdong
Terms checked 2026-09-24 · Issuer terms ·
20% cashback
2.TPBank EVO Visa
Preference package 1: Transport
Cap VND 250,000 per category; VND 500,000 per statementMin spend 10% if total card spend is at least VND 15m per statement; 2% below
Choose one of 4 packages in the EVO app; not combinable with the online-cashback programme
Terms checked 2026-09-24 · Issuer terms ·
10% cashback
3.HSBC Cash Back Credit Card
Supermarkets, grocery stores, taxi & limousine
Cap VND 200,000 per calendar month
8% (6% + extra 2%) if the cardholder has an HSBC payroll account with eligible salary inward payments from VND 10,000,000/month; cap is per calendar month, not billing cycle
Terms checked 2026-09-24 · Issuer terms ·
6% cashback
4.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
5.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% 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.VIB Super Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
10.VPBank Lady Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
11.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Sources (31)

Merchants in Vietnam using MCC 4121

Be (ride-hailing app)Mai Linh Taxi Xanh SM Xanh SM (GSM taxi)

Highlighted merchants use MCC 4121 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 4121 in Vietnam?

For MCC 4121 (Taxicabs and Limousines) in Vietnam, the Sacombank Visa UNIQ Platinum gives the highest cashback at 20% (cap: VND 300,000 per statement (supermarket + transport combined)).

What is MCC 4121?

MCC 4121 is the merchant category code for Taxicabs and Limousines (Transportation). Covers taxicab and limousine services, including metered taxis, private hire vehicles and chauffeured car services. Ride-hailing platforms are commonly processed under this code, although some may use other codes; local commuter transit such as buses and metro falls under 4111.

Which merchants in Vietnam use MCC 4121?

Merchants in Vietnam seen with MCC 4121 include Be (ride-hailing app), Mai Linh Taxi, Xanh SM, Xanh SM (GSM taxi). A merchant's MCC can differ by payment channel, so check the code on your statement.

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 4121 in Vietnam

MCC 4121 · Taxicabs and Limousines · Transportation

For MCC 4121 (Taxicabs and Limousines) in Vietnam, the Sacombank Visa UNIQ Platinum gives the highest cashback at 20% (cap: VND 300,000 per statement (supermarket + transport 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 4121

Best overall

1.Sacombank Visa UNIQ Platinum20% cashback · cap: VND 300,000 per statement (supermarket + transport combined)≈ 20% back
2.TPBank EVO Visa10% cashback · cap: VND 250,000 per category; VND 500,000 per statement≈ 10% back
3.HSBC Cash Back Credit Card6% cashback · cap: VND 200,000 per calendar month≈ 6.0% back
4.Sacombank Platinum American Express0.5% cashback≈ 0.50% back
5.Vietcombank Cashplus Platinum American Express0.5% cashback≈ 0.50% back

Miles are converted at your mile value.

Cashback cards

1.Sacombank Visa UNIQ Platinum
Ride-hailing / transport apps
Cap VND 300,000 per statement (supermarket + transport combined)
Reference merchants: Be, Grab, Mai Linh, Xanh SM, GSM, Vexere, Futa, Superdong
Terms checked 2026-09-24 · Issuer terms ·
20% cashback
2.TPBank EVO Visa
Preference package 1: Transport
Cap VND 250,000 per category; VND 500,000 per statementMin spend 10% if total card spend is at least VND 15m per statement; 2% below
Choose one of 4 packages in the EVO app; not combinable with the online-cashback programme
Terms checked 2026-09-24 · Issuer terms ·
10% cashback
3.HSBC Cash Back Credit Card
Supermarkets, grocery stores, taxi & limousine
Cap VND 200,000 per calendar month
8% (6% + extra 2%) if the cardholder has an HSBC payroll account with eligible salary inward payments from VND 10,000,000/month; cap is per calendar month, not billing cycle
Terms checked 2026-09-24 · Issuer terms ·
6% cashback
4.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
5.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% 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.VIB Super Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
10.VPBank Lady Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
11.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Sources (31)

Merchants in Vietnam using MCC 4121

Be (ride-hailing app)Mai Linh Taxi Xanh SM Xanh SM (GSM taxi)

Highlighted merchants use MCC 4121 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 4121 in Vietnam?

For MCC 4121 (Taxicabs and Limousines) in Vietnam, the Sacombank Visa UNIQ Platinum gives the highest cashback at 20% (cap: VND 300,000 per statement (supermarket + transport combined)).

What is MCC 4121?

Which merchants in Vietnam use MCC 4121?

Merchants in Vietnam seen with MCC 4121 include Be (ride-hailing app), Mai Linh Taxi, Xanh SM, Xanh SM (GSM taxi). A merchant's MCC can differ by payment channel, so check the code on your statement.

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.