Best credit card for MCC 4511 in Vietnam

MCC 4511 · Airlines and Air Carriers · Transportation

For MCC 4511 (Airlines and Air Carriers) 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 4511

Best overall

1.Sacombank Platinum American Express20% cashback · cap: VND 1,000,000 per statement (all categories combined)≈ 20% back
2.TPBank EVO Visa10% cashback · cap: VND 250,000 per category; VND 500,000 per statement≈ 10% back
3.Techcombank Spark8% cashback · cap: 500,000 U-Points per month per card account and per customer≈ 8.0% back
4.Sacombank Visa UNIQ Platinum0.5% 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 Platinum American Express
Air tickets
Cap VND 1,000,000 per statement (all categories combined)
Sacombank 'Danh mục MCC hoàn tiền' list
Terms checked 2026-10-01 · Issuer terms ·
20% cashback
2.TPBank EVO Visa
Preference package 3: Travel
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
Package 3 (travel + entertainment)
Terms checked 2026-09-24 · Issuer terms ·
10% cashback
3.Techcombank Spark
Chosen category: Travel
Cap 500,000 U-Points per month per card account and per customer
Choose 1 of 5 categories in Techcombank Mobile (change max once/day). 1 U-Point = VND 1.
Terms checked 2026-09-24 · Issuer terms ·
8% cashback
4.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · 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 Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
7.HSBC Live+ Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% 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)

FAQ

Which credit card is best for MCC 4511 in Vietnam?

For MCC 4511 (Airlines and Air Carriers) 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 4511?

MCC 4511 is the merchant category code for Airlines and Air Carriers (Transportation). MCC 4511 covers airlines and air carriers not assigned their own dedicated airline code. Most major airlines use individual codes in the 3000-3350 range, which are generally treated as part of the same airline category. Tickets bought through online travel agencies or booking platforms are often coded 4722 (Travel Agencies and Tour Operators) 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 4511 in Vietnam

MCC 4511 · Airlines and Air Carriers · Transportation

For MCC 4511 (Airlines and Air Carriers) 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 4511

Best overall

1.Sacombank Platinum American Express20% cashback · cap: VND 1,000,000 per statement (all categories combined)≈ 20% back
2.TPBank EVO Visa10% cashback · cap: VND 250,000 per category; VND 500,000 per statement≈ 10% back
3.Techcombank Spark8% cashback · cap: 500,000 U-Points per month per card account and per customer≈ 8.0% back
4.Sacombank Visa UNIQ Platinum0.5% 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 Platinum American Express
Air tickets
Cap VND 1,000,000 per statement (all categories combined)
Sacombank 'Danh mục MCC hoàn tiền' list
Terms checked 2026-10-01 · Issuer terms ·
20% cashback
2.TPBank EVO Visa
Preference package 3: Travel
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
Package 3 (travel + entertainment)
Terms checked 2026-09-24 · Issuer terms ·
10% cashback
3.Techcombank Spark
Chosen category: Travel
Cap 500,000 U-Points per month per card account and per customer
Choose 1 of 5 categories in Techcombank Mobile (change max once/day). 1 U-Point = VND 1.
Terms checked 2026-09-24 · Issuer terms ·
8% cashback
4.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · 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 Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
7.HSBC Live+ Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% 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)

FAQ

Which credit card is best for MCC 4511 in Vietnam?

For MCC 4511 (Airlines and Air Carriers) 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 4511?

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.