Best credit card for MCC 4900 in Vietnam

MCC 4900 · Utilities – Electric, Gas, Water, and Sanitary · Utilities

For MCC 4900 (Utilities – Electric, Gas, Water, and Sanitary) in Vietnam, none of the cards we track gives a bonus. 9 cards (VPBank StepUp Mastercard, VPBank Lady Mastercard, VIB Super Card…) earn nothing on this code.

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 4900

Best overall

1.Vietcombank Cashplus Platinum American Express0.5% cashback≈ 0.50% back
2.HSBC Cash Back Credit Card0.3% cashback≈ 0.30% back
3.HSBC Live+ Credit Card0.3% cashback≈ 0.30% back

Miles are converted at your mile value.

Cashback cards

1.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
2.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
3.HSBC Live+ Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback

Cards that earn nothing on this MCC

VPBank StepUp MastercardVPBank Lady MastercardVIB Super CardVIB Cash BackTPBank EVO VisaTechcombank SparkTechcombank EverydaySacombank Platinum American ExpressSacombank Visa UNIQ Platinum

Sources (33)

Merchants in Vietnam using MCC 4900

ZaloPay (bill payments)

Highlighted merchants use MCC 4900 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 4900 in Vietnam?

What is MCC 4900?

MCC 4900 is the merchant category code for Utilities – Electric, Gas, Water, and Sanitary (Utilities). Covers utility services, including electricity, gas, water and sanitation billed to households and businesses. Utility bill payments, including those made to electricity retailers and utility billing agents, commonly use this code. Cable, satellite and pay TV are coded separately under 4899.

Which merchants in Vietnam use MCC 4900?

Merchants in Vietnam seen with MCC 4900 include ZaloPay (bill payments). A merchant's MCC can differ by payment channel, so check the code on your statement.

Which cards earn no rewards on MCC 4900 in Vietnam?

VPBank StepUp Mastercard, VPBank Lady Mastercard, VIB Super Card, VIB Cash Back, TPBank EVO Visa, Techcombank Spark, Techcombank Everyday, Sacombank Platinum American Express, Sacombank Visa UNIQ Platinum exclude MCC 4900 from rewards according to their terms and conditions.

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.