Best credit card for MCC 5311 in Vietnam

MCC 5311 · Department Stores · Retail

For MCC 5311 (Department 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 5311

Best overall

1.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
2.HSBC Live+ Credit Card6% cashback · cap: VND 200,000 per calendar month (dining + shopping combined)≈ 6.0% 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.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.HSBC Live+ Credit Card
Food & beverage and shopping
Cap VND 200,000 per calendar month (dining + shopping combined)
8% (6% + extra 2%) with an eligible HSBC payroll transfer
Terms checked 2026-09-24 · Issuer terms ·
6% 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 Cash Back 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)

Merchants in Vietnam using MCC 5311

Lotte Department Store Lotte Duty Free Parkson

Highlighted merchants use MCC 5311 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 5311 in Vietnam?

For MCC 5311 (Department 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 5311?

MCC 5311 is the merchant category code for Department Stores (Retail). MCC 5311 covers department stores offering a wide range of merchandise, such as clothing, cosmetics, home goods, and furnishings, in separate departments. It is often confused with 5310 (Discount Stores) and 5399 (Miscellaneous General Merchandise), which cover discount and general merchandise retailers.

Which merchants in Vietnam use MCC 5311?

Merchants in Vietnam seen with MCC 5311 include Lotte Department Store, Lotte Duty Free, Parkson. A merchant's MCC can differ by payment channel, so check the code on your statement.

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 5311 in Vietnam

MCC 5311 · Department Stores · Retail

For MCC 5311 (Department 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 5311

Best overall

1.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
2.HSBC Live+ Credit Card6% cashback · cap: VND 200,000 per calendar month (dining + shopping combined)≈ 6.0% 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.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.HSBC Live+ Credit Card
Food & beverage and shopping
Cap VND 200,000 per calendar month (dining + shopping combined)
8% (6% + extra 2%) with an eligible HSBC payroll transfer
Terms checked 2026-09-24 · Issuer terms ·
6% 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 Cash Back 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)

Merchants in Vietnam using MCC 5311

Lotte Department Store Lotte Duty Free Parkson

Highlighted merchants use MCC 5311 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 5311 in Vietnam?

For MCC 5311 (Department 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 5311?

Which merchants in Vietnam use MCC 5311?

Merchants in Vietnam seen with MCC 5311 include Lotte Department Store, Lotte Duty Free, Parkson. A merchant's MCC can differ by payment channel, so check the code on your statement.

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.