Best credit card for MCC 5094 in Vietnam

MCC 5094 · Precious Stones, Metals, Watches, and Jewelry (Wholesale) · Precious Stones and Metals Watches

For MCC 5094 (Precious Stones, Metals, Watches, and Jewelry (Wholesale)) in Vietnam, the VIB Super Card gives the highest cashback at 10% (cap: 500,000 points per category per statement; 1,000,000 total). 2 cards (Techcombank Spark, Techcombank Everyday) 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 5094

Best overall

1.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
2.Sacombank Platinum American Express0.5% cashback≈ 0.50% 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.VIB Super Card
Chosen category: Shopping
Cap 500,000 points per category per statement; 1,000,000 total
Choose one category in MyVIB. The published list includes pawn shops (5933) and salvage yards (5935).
Terms checked 2026-10-01 · Issuer terms ·
10% cashback
2.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% 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.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
8.VPBank Lady Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
9.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Cards that earn nothing on this MCC

Techcombank SparkTechcombank Everyday

Sources (30)

FAQ

Which credit card is best for MCC 5094 in Vietnam?

What is MCC 5094?

MCC 5094 is the merchant category code for Precious Stones, Metals, Watches, and Jewelry (Wholesale) (Precious Stones and Metals Watches). MCC 5094 covers the wholesale sale of precious stones, precious metals, watches, and jewellery, including gemstone dealers and bullion suppliers. It is often confused with 5944 (jewellery, watch, clock, and silverware stores), which covers retail jewellers. Because precious metals and stones can be held as stores of value, this code is sometimes subject to additional scrutiny.

Which cards earn no rewards on MCC 5094 in Vietnam?

Techcombank Spark, Techcombank Everyday exclude MCC 5094 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.