Best credit card for MCC 5811 in Vietnam

1. 1.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
2. 2.VPBank StepUp Mastercard4% cashback · cap: VND 200,000 per statement (VND 100,000 at 2% below VND 10m spend)≈ 4.0% back
3. 3.Techcombank Spark2% cashback · cap: 500,000 U-Points per month≈ 2.0% back
4. 4.Sacombank Platinum American Express0.5% cashback≈ 0.50% back
5. 5.Sacombank Visa UNIQ Platinum0.5% cashback≈ 0.50% back

Miles are converted at your mile value.

Cashback cards

• 1.VIB Super Card

  Chosen category: Dining

  Cap 500,000 points per category per statement; 1,000,000 total

  Choose one category in MyVIB

  Terms checked 2026-10-01 · Issuer terms · Rate changed?

  10% cashback

• 2.VPBank StepUp Mastercard

  Dining

  Cap VND 200,000 per statement (VND 100,000 at 2% below VND 10m spend)Min spend 4% if total spend is at least VND 10m per statement cycle; 2% below

  Applies at any spend tier

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  4% cashback

• 3.Techcombank Spark

  Chosen category: Restaurants / F&B

  Cap 500,000 U-Points per month

  Choose 1 of 5 categories. The issuer list also includes non-standard codes (1349, 1339, 0074, 2340, 0025, 5821, 1341, 2002, 1399, 1347, 1340, 0024), which are omitted here.

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  2% cashback

• 4.Sacombank Platinum American Express

  Base rate (no bonus for this MCC)

  Terms checked 2026-10-01 · Issuer terms · Rate changed?

  0.5% cashback

• 5.Sacombank Visa UNIQ Platinum

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  0.5% cashback

• 6.Vietcombank Cashplus Platinum American Express

  Base rate (no bonus for this MCC)

  Terms checked 2026-10-01 · Issuer terms · Rate changed?

  0.5% cashback

• 7.HSBC Cash Back Credit Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  0.3% cashback

• 8.HSBC Live+ Credit Card

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  0.3% cashback

• 9.VIB Cash Back

  Base rate (no bonus for this MCC)

  Terms checked 2026-09-24 · Issuer terms · Rate changed?

  0.1% cashback

• 10.VPBank Lady Mastercard

  Base rate (no bonus for this MCC)

  Terms checked 2026-10-01 · Issuer terms · Rate changed?

  0.1% cashback

Which credit card is best for MCC 5811 in Vietnam?

For MCC 5811 (Caterers) 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 5811?

MCC 5811 is the merchant category code for Caterers (Food). Covers caterers that prepare and deliver food for events, functions and organisations, typically off-site. Restaurants serving meals on premises use 5812, and fast food outlets use 5814. Transactions are often invoiced in advance or as deposits for scheduled events.