Best credit card for MCC 5099 in Vietnam

MCC 5099 · Durable Goods - Miscellaneous Wholesale · Durable Goods Not Elsewhere Classified

For MCC 5099 (Durable Goods - Miscellaneous 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).

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 5099

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.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.VPBank Lady Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
10.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Sources (28)

FAQ

Which credit card is best for MCC 5099 in Vietnam?

For MCC 5099 (Durable Goods - Miscellaneous 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).

What is MCC 5099?

MCC 5099 is the merchant category code for Durable Goods - Miscellaneous Wholesale (Durable Goods Not Elsewhere Classified). MCC 5099 covers wholesale distributors of durable goods not classified elsewhere, such as luggage, musical instruments, fire extinguishers, and other long-lasting products. It is a catch-all for durable goods wholesalers; nondurable goods wholesalers not classified elsewhere use 5199. Merchants are expected to use a more specific wholesale code where one applies.

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 5099 in Vietnam

MCC 5099 · Durable Goods - Miscellaneous Wholesale · Durable Goods Not Elsewhere Classified

For MCC 5099 (Durable Goods - Miscellaneous 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).

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 5099

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.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.VPBank Lady Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
10.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Sources (28)

FAQ

Which credit card is best for MCC 5099 in Vietnam?

For MCC 5099 (Durable Goods - Miscellaneous 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).

What is MCC 5099?

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.