Best credit card for MCC 5651 in Vietnam

MCC 5651 · Family Clothing Stores · Retail

For MCC 5651 (Family Clothing Stores) 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 5651

Best overall

1.VPBank Lady Mastercard15% cashback · cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)≈ 15% back
2.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
3.Techcombank Spark8% cashback · cap: 500,000 U-Points per month≈ 8.0% back
4.HSBC Live+ Credit Card6% cashback · cap: VND 200,000 per calendar month (dining + shopping combined)≈ 6.0% back
5.Sacombank 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.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
3.Techcombank Spark
Chosen category: Fashion
Cap 500,000 U-Points per month
Choose 1 of 5 categories
Terms checked 2026-09-24 · Issuer terms ·
8% cashback
4.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
5.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
6.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
7.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
8.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
9.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · 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 5651

An Phước Cửa Hàng Thời Trang An Phước

Highlighted merchants use MCC 5651 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 5651 in Vietnam?

For MCC 5651 (Family Clothing Stores) 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)).

What is MCC 5651?

MCC 5651 is the merchant category code for Family Clothing Stores (Retail). MCC 5651 covers family clothing stores selling apparel for men, women, and children in one store. It is often confused with 5621 (Women's Ready-to-Wear Stores), 5691 (Men's and Women's Clothing Stores), and 5311 (Department Stores) for larger multi-category retailers. Classification can vary by country and store format.

Which merchants in Vietnam use MCC 5651?

Merchants in Vietnam seen with MCC 5651 include An Phước, Cửa Hàng Thời Trang An Phước. 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 5651 in Vietnam

MCC 5651 · Family Clothing Stores · Retail

For MCC 5651 (Family Clothing Stores) 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 5651

Best overall

1.VPBank Lady Mastercard15% cashback · cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)≈ 15% back
2.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
3.Techcombank Spark8% cashback · cap: 500,000 U-Points per month≈ 8.0% back
4.HSBC Live+ Credit Card6% cashback · cap: VND 200,000 per calendar month (dining + shopping combined)≈ 6.0% back
5.Sacombank 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.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
3.Techcombank Spark
Chosen category: Fashion
Cap 500,000 U-Points per month
Choose 1 of 5 categories
Terms checked 2026-09-24 · Issuer terms ·
8% cashback
4.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
5.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
6.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
7.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
8.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
9.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · 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 5651

An Phước Cửa Hàng Thời Trang An Phước

Highlighted merchants use MCC 5651 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 5651 in Vietnam?

For MCC 5651 (Family Clothing Stores) 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)).

What is MCC 5651?

Which merchants in Vietnam use MCC 5651?

Merchants in Vietnam seen with MCC 5651 include An Phước, Cửa Hàng Thời Trang An Phước. 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.