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    Best card by MCC / Vietnam / MCC 5309

    Best credit card for MCC 5309 in Vietnam

    MCC 5309 · Duty Free Stores · Retail

    For MCC 5309 (Duty Free Stores) 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 5309

    Best overall

    1. 1.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
    2. 2.Sacombank Platinum American Express0.5% cashback≈ 0.50% back
    3. 3.Sacombank Visa UNIQ Platinum0.5% cashback≈ 0.50% back
    4. 4.Vietcombank Cashplus Platinum American Express0.5% cashback≈ 0.50% back
    5. 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)
    • Chương trình ưu đãi của Thẻ tín dụng VIB Super Card – Danh mục MCC (applicable from 27/09/2023)
    • Chương trình Điểm thưởng/hoàn tiền thẻ tín dụng VIB
    • VIB Super Card American Express Platinum (RCGV, June 2026)
    • Biểu phí & Điều kiện thẻ tín dụng VIB Super Card (effective 19/03/2026)
    • Quy định hoàn tiền thẻ tín dụng Platinum American Express
    • Sacombank – Danh mục MCC hoàn tiền
    • Quy định hoàn tiền thẻ tín dụng Platinum American Express (re-issued Feb 2026)
    • Thẻ tín dụng Sacombank Platinum American Express – product page
    • Sacombank Platinum American Express (RCGV)
    • Quy định hoàn tiền thẻ tín dụng Visa UNIQ Platinum
    • Sacombank Visa Uniq Platinum (RCGV)
    • Vietcombank Cashplus Platinum American Express product page
    • Điều chỉnh tính năng ưu đãi hoàn tiền Vietcombank Cashplus Platinum Amex (VNBA, 2023)
    • Terms and Conditions of HSBC Cash Back Credit Card (effective 6 March 2026)
    • HSBC Cash Back Credit Card product page
    • Terms and Conditions of HSBC Live+ Credit Card (effective 02/07/2024)
    • HSBC Live+ Credit Card product page
    • Thẻ tín dụng Techcombank Spark – Danh sách MCC chi tiết từng lĩnh vực và danh sách MCC loại trừ
    • Terms and Conditions of Techcombank Rewards Program (credit card earn valid 01/05/2026 – 31/12/2026)
    • Techcombank Spark product page
    • Biểu phí và điều kiện – Thẻ tín dụng VIB Cash Back
    • VIB Cash Back (CardTOT)
    • Thể lệ ưu đãi tính năng VPBank Lady Mastercard (21/11/2025 – 20/11/2026), Phụ lục 01–02 MCC
    • Thẻ tín dụng VPBank Lady MasterCard – product page
    • Thể lệ ưu đãi dài hạn VPBank Lady Mastercard (06/10/2023 – 30/09/2024), Phụ lục MCC (superseded)
    • Review VPBank Lady Mastercard (RCGV, May 2026)
    • Thể lệ ưu đãi tính năng thẻ VPBank StepUp Mastercard (21/11/2025 – 20/11/2026)
    • VPBank StepUp Mastercard: phí, ưu đãi, điều kiện (RCGV)
    FAQ

    Which credit card is best for MCC 5309 in Vietnam?

    For MCC 5309 (Duty Free Stores) 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 5309?

    MCC 5309 is the merchant category code for Duty Free Stores (Retail). Covers duty-free stores selling goods exempt from certain taxes and duties, typically located in airports, seaports, border crossings and on board ships or aircraft. Items commonly include alcohol, tobacco, perfume, cosmetics and luxury goods. Retail shops outside travel hubs selling similar goods use their regular retail codes.

    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.

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