Best credit card for MCC 5813 in Vietnam

MCC 5813 · Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques · F&B

For MCC 5813 (Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques) in Vietnam, the MSB Mastercard mDigi gives the highest cashback at 20% (cap: VND 300,000 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 5813

Best overall

1.MSB Mastercard mDigi20% cashback · cap: VND 300,000 per statement≈ 20% back
2.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% back
3.HSBC Live+ Credit Card6% cashback · cap: VND 200,000 per calendar month (dining + shopping combined)≈ 6.0% back
4.VPBank StepUp Mastercard4% cashback · cap: VND 200,000 per statement (VND 100,000 at 2% below VND 10m spend)≈ 4.0% back
5.Techcombank Spark2% cashback · cap: 500,000 U-Points per month≈ 2.0% 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 ·
20% cashback
2.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 ·
10% cashback
3.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
4.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 ·
4% cashback
5.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 ·
2% cashback
6.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
7.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
8.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
9.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
10.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
11.VPBank Lady Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback

Sources (31)

FAQ

Which credit card is best for MCC 5813 in Vietnam?

What is MCC 5813?

MCC 5813 is the merchant category code for Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques (F&B). MCC 5813 covers drinking places serving alcoholic beverages for consumption on the premises, including bars, taverns, pubs, cocktail lounges, nightclubs, and discotheques. It is commonly confused with 5812 (Eating Places and Restaurants) and 5814 (Fast Food Restaurants). It is commonly treated as a restricted category.

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