MCC 5944 · Jewellery, Watches, Clocks · Retail
For MCC 5944 (Jewellery, Watches, Clocks) in Vietnam, the VIB Super Card gives the highest cashback at 10% (cap: 500,000 points per category per statement; 1,000,000 total). 4 cards (Techcombank Spark, Techcombank Everyday, Sacombank Platinum American Express…) 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.
Miles are converted at your mile value.
1.VIB Super Card
Chosen category: Shopping
Choose one category in MyVIB. The published list includes pawn shops (5933) and salvage yards (5935).
Terms checked 2026-10-01 · Issuer terms ·
2.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
3.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
7.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
For MCC 5944 (Jewellery, Watches, Clocks) in Vietnam, the VIB Super Card gives the highest cashback at 10% (cap: 500,000 points per category per statement; 1,000,000 total). 4 cards (Techcombank Spark, Techcombank Everyday, Sacombank Platinum American Express…) earn nothing on this code.
MCC 5944 is the merchant category code for Jewellery, Watches, Clocks (Retail). Covers retail stores selling jewellery, watches, clocks and silverware, both new and fine pieces. Watch and jewellery repair shops use 7631, and wholesale jewellery and precious metals dealers use 5094. Transactions can be high in value, particularly for luxury watches and fine jewellery.
Merchants in Vietnam seen with MCC 5944 include PNJ. A merchant's MCC can differ by payment channel, so check the code on your statement.
Techcombank Spark, Techcombank Everyday, Sacombank Platinum American Express, Sacombank Visa UNIQ Platinum exclude MCC 5944 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.