Best credit card for MCC 5812 in Vietnam

1. 1.MSB Mastercard mDigi20% cashback · cap: VND 300,000 per statement≈ 20% back
2. 2.TPBank EVO Visa10% cashback · cap: VND 250,000 per category; VND 500,000 per statement≈ 10% back
3. 3.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
4. 4.HSBC Live+ Credit Card6% cashback · cap: VND 200,000 per calendar month (dining + shopping combined)≈ 6.0% back
5. 5.VPBank StepUp Mastercard4% cashback · cap: VND 200,000 per statement (VND 100,000 at 2% below VND 10m spend)≈ 4.0% back

Miles are converted at your mile value.

Cashback cards

• 1.MSB Mastercard mDigi

  Chosen category 1: Drinking & fast food

  Cap VND 300,000 per statement

  Choose 1 of 3 categories in MSB mBank; change once per statement, effective next cycle

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

  20% cashback

• 2.TPBank EVO Visa

  Preference package 1: Dining

  Cap VND 250,000 per category; VND 500,000 per statementMin spend 10% if total card spend is at least VND 15m per statement; 2% below

  Package 1 (transport + dining)

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

  10% cashback

• 3.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

• 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 · Rate changed?

  6% cashback

• 5.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

• 6.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

• 7.Sacombank Platinum American Express

  Base rate (no bonus for this MCC)

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

  0.5% cashback

• 8.Sacombank Visa UNIQ Platinum

  Base rate (no bonus for this MCC)

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

  0.5% cashback

• 9.Vietcombank Cashplus Platinum American Express

  Base rate (no bonus for this MCC)

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

  0.5% cashback

• 10.HSBC Cash Back Credit Card

  Base rate (no bonus for this MCC)

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

  0.3% cashback

• 11.VIB Cash Back

  Base rate (no bonus for this MCC)

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

  0.1% cashback

• 12.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 5812 in Vietnam?

For MCC 5812 (Eating Places, Restaurants) in Vietnam, the MSB Mastercard mDigi gives the highest cashback at 20% (cap: VND 300,000 per statement).

What is MCC 5812?

MCC 5812 is the merchant category code for Eating Places, Restaurants (Food). MCC 5812 covers eating places and restaurants, including full-service restaurants, cafes with table service, and restaurant dining. It is frequently confused with 5814 (fast food restaurants) and 5813 (bars and nightclubs); a restaurant's code depends on how the acquirer classified it, so similar venues can carry different codes and earn differently under dining rewards.

Which merchants in Vietnam use MCC 5812?

Merchants in Vietnam seen with MCC 5812 include Mo-Mo Paradise, Phở 24, Ramen Danbo, ShopeeFood Vietnam, Tim Ho Wan. A merchant's MCC can differ by payment channel, so check the code on your statement.