Best credit card for MCC 4722 in Vietnam

1. 1.MSB Mastercard mDigi20% cashback · cap: VND 300,000 per statement≈ 20% back
2. 2.Sacombank Platinum American Express20% cashback · cap: VND 1,000,000 per statement (all categories combined)≈ 20% back
3. 3.TPBank EVO Visa10% cashback · cap: VND 250,000 per category; VND 500,000 per statement≈ 10% back
4. 4.Techcombank Spark8% cashback · cap: 500,000 U-Points per month per card account and per customer≈ 8.0% back
5. 5.Sacombank Visa UNIQ Platinum0.5% cashback≈ 0.50% back

Miles are converted at your mile value.

Cashback cards

• 1.MSB Mastercard mDigi

  Chosen category 2: Travel agencies & hotels

  Cap VND 300,000 per statement

  Choose 1 of 3 categories

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  20% cashback

• 2.Sacombank Platinum American Express

  Travel agencies

  Cap VND 1,000,000 per statement (all categories combined)

  Terms checked 2026-10-01 · Issuer terms · Rate changed?

  20% cashback

• 3.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 · Rate changed?

  10% cashback

• 4.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 · Rate changed?

  8% cashback

• 5.Sacombank Visa UNIQ Platinum

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  0.5% cashback

• 6.Vietcombank Cashplus Platinum American Express

  Base rate (no bonus for this MCC)

  Terms checked 2026-10-01 · Issuer terms · Rate changed?

  0.5% cashback

• 7.HSBC Cash Back Credit Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  0.3% cashback

• 8.HSBC Live+ Credit Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  0.3% cashback

• 9.VIB Cash Back

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  0.1% cashback

• 10.VIB Super Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-10-01 · Issuer terms · Rate changed?

  0.1% cashback

• 11.VPBank Lady Mastercard

  Base rate (no bonus for this MCC)

  Terms checked 2026-10-01 · Issuer terms · Rate changed?

  0.1% cashback

• 12.VPBank StepUp Mastercard

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  0.1% cashback

Which credit card is best for MCC 4722 in Vietnam?

For MCC 4722 (Travel Agencies and Tour Operators) in Vietnam, the MSB Mastercard mDigi gives the highest cashback at 20% (cap: VND 300,000 per statement).

What is MCC 4722?

MCC 4722 is the merchant category code for Travel Agencies and Tour Operators (Travel). MCC 4722 covers travel agencies and tour operators, including online travel agencies, package holiday sellers, and tour organisers. A common point of confusion is that flights booked through an agency may carry 4722, while flights bought directly from an airline use the airline's own code (3000-3350) or 4511. Hotel bookings through an agency may likewise be coded 4722 instead of a lodging code.