Best credit card for MCC 5122 in Vietnam

MCC 5122 · Drugs, Drug Proprietaries, and Druggist Sundries · Drugs Drug Proprietaries Druggist Sundries

For MCC 5122 (Drugs, Drug Proprietaries, and Druggist Sundries) in Vietnam, the VPBank Lady Mastercard gives the highest cashback at 15% (cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)).

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 5122

Best overall

1.VPBank Lady Mastercard15% cashback · cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)≈ 15% back
2.HSBC Cash Back Credit Card1% cashback · cap: Unlimited≈ 1.0% back
3.Sacombank Platinum American Express0.5% cashback≈ 0.50% 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.VPBank Lady Mastercard
Beauty care / Health care / Fashion / Entertainment
Cap VND 300,000 per statement (VND 150,000 below VND 15m spend)Min spend 15% if total spend is at least VND 15m per statement cycle; 7.5% below
The issuer's list includes 9405 (Intra-Government Purchases) and 5561 (Recreational and Utility Trailers, under Fashion); both are kept as published
Terms checked 2026-10-01 · Issuer terms ·
15% cashback
2.HSBC Cash Back Credit Card
Health care
Cap Unlimited
Terms checked 2026-09-24 · Issuer terms ·
1% cashback
3.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% 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 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.VIB Super Card
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 5122 in Vietnam?

What is MCC 5122?

MCC 5122 is the merchant category code for Drugs, Drug Proprietaries, and Druggist Sundries (Drugs Drug Proprietaries Druggist Sundries). MCC 5122 covers the wholesale distribution of drugs, drug proprietaries, and druggist sundries, including pharmaceutical wholesalers and suppliers of vitamins and health products. It is distinct from 5912 (drugstores and pharmacies), which covers retail pharmacies serving consumers. Some online sellers of supplements or pharmaceuticals are also set up under this code.

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.