Best credit card for MCC 5734 in Vietnam

MCC 5734 · Computer Software Stores · Retail

For MCC 5734 (Computer Software 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)). 2 cards (Techcombank Spark, Techcombank Everyday) earn nothing on this code.

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 5734

Best overall

1.VPBank Lady Mastercard15% cashback · cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)≈ 15% back
2.Sacombank Platinum American Express0.5% cashback≈ 0.50% back
3.Sacombank Visa UNIQ Platinum0.5% cashback≈ 0.50% back
4.Vietcombank Cashplus Platinum American Express0.5% cashback≈ 0.50% back
5.HSBC Cash Back Credit Card0.3% cashback≈ 0.30% 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.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.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
8.VIB Super Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
9.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Cards that earn nothing on this MCC

Techcombank SparkTechcombank Everyday

Sources (30)

Merchants in Vietnam using MCC 5734

TikTok Shop Vietnam

Highlighted merchants use MCC 5734 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 5734 in Vietnam?

What is MCC 5734?

MCC 5734 is the merchant category code for Computer Software Stores (Retail). MCC 5734 covers computer software stores selling packaged or downloadable software, including business, security, and productivity software. It is often confused with 5817 (digital goods: applications), 5818 (large digital goods merchants), and 7372 (computer programming and data processing), which many SaaS subscriptions use. The code an online software vendor uses varies.

Which merchants in Vietnam use MCC 5734?

Merchants in Vietnam seen with MCC 5734 include TikTok Shop Vietnam. A merchant's MCC can differ by payment channel, so check the code on your statement.

Which cards earn no rewards on MCC 5734 in Vietnam?

Techcombank Spark, Techcombank Everyday exclude MCC 5734 from rewards according to their terms and conditions.

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.