MCC 5399 · Miscellaneous General Merchandise · Retail
For MCC 5399 (Miscellaneous General Merchandise) in Vietnam, the TPBank EVO Visa gives the highest cashback at 10% (cap: VND 250,000 per category; VND 500,000 per statement).
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.
Miles are converted at your mile value.
1.TPBank EVO Visa
Preference package 4: E-commerce
Package 4
Terms checked 2026-09-24 · Issuer terms ·
2.HSBC Live+ Credit Card
Food & beverage and shopping
8% (6% + extra 2%) with an eligible HSBC payroll transfer
Terms checked 2026-09-24 · Issuer terms ·
3.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
4.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
5.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
6.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
11.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
For MCC 5399 (Miscellaneous General Merchandise) in Vietnam, the TPBank EVO Visa gives the highest cashback at 10% (cap: VND 250,000 per category; VND 500,000 per statement).
MCC 5399 is the merchant category code for Miscellaneous General Merchandise (Retail). MCC 5399 covers miscellaneous general merchandise stores that sell a broad range of goods but are not classified as department stores (5311), discount stores (5310), or variety stores (5331). It is commonly used by online retailers and general e-commerce merchants selling mixed product ranges.
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