Best credit card for MCC 5411 in Vietnam

MCC 5411 · Grocery Stores, Supermarkets · Retail

For MCC 5411 (Grocery Stores, Supermarkets) in Vietnam, the Sacombank Visa UNIQ Platinum gives the highest cashback at 20% (cap: VND 300,000 per statement (supermarket + transport combined); VND 600,000 total 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.

Cards ranked for MCC 5411

Best overall

1.Sacombank Visa UNIQ Platinum20% cashback · cap: VND 300,000 per statement (supermarket + transport combined); VND 600,000 total per statement≈ 20% back
2.HSBC Cash Back Credit Card6% cashback · cap: VND 200,000 per calendar month≈ 6.0% back
3.VPBank Lady Mastercard5% cashback · cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)≈ 5.0% back
4.Sacombank Platinum American Express0.5% 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.Sacombank Visa UNIQ Platinum
Supermarkets & convenience stores
Cap VND 300,000 per statement (supermarket + transport combined); VND 600,000 total per statement
50% on the first transaction in each category within 30 days of activation. Reference merchants: Co.opmart, Aeon, Bach Hoa Xanh, Lotte Mart, GO!, Winmart, 7-Eleven, Circle K, FamilyMart, Ministop…
Terms checked 2026-09-24 · Issuer terms ·
20% cashback
2.HSBC Cash Back Credit Card
Supermarkets, grocery stores, taxi & limousine
Cap VND 200,000 per calendar month
8% (6% + extra 2%) if the cardholder has an HSBC payroll account with eligible salary inward payments from VND 10,000,000/month; cap is per calendar month, not billing cycle
Terms checked 2026-09-24 · Issuer terms ·
6% cashback
3.VPBank Lady Mastercard
Supermarkets
Cap VND 300,000 per statement (VND 150,000 below VND 15m spend)Min spend 5% if total spend is at least VND 15m per statement cycle; 2.5% below
Terms checked 2026-10-01 · Issuer terms ·
5% cashback
4.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · 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)

Merchants in Vietnam using MCC 5411

Highlighted merchants use MCC 5411 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 5411 in Vietnam?

What is MCC 5411?

MCC 5411 is the merchant category code for Grocery Stores, Supermarkets (Retail). MCC 5411 covers grocery stores and supermarkets selling a full line of food for home preparation, including fresh produce, meat, dairy, and packaged goods, along with household items. It is commonly confused with 5499 (Miscellaneous Food Stores, including convenience stores and specialty food shops), 5300 (Wholesale Clubs), and 5310 (Discount Stores).

Which merchants in Vietnam use MCC 5411?

Merchants in Vietnam seen with MCC 5411 include Big C, Giant Hypermarket, Bach Hoa Xanh, Big C Vietnam, Co.opmart, Emart Vietnam, Fujimart, Galaxy Cinema. 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.