Best credit card for MCC 5945 in Vietnam

MCC 5945 · Hobby, Toy, and Game Shops · Retail

For MCC 5945 (Hobby, Toy, and Game Shops) in Vietnam, the VIB Super Card gives the highest cashback at 10% (cap: 500,000 points per category per statement; 1,000,000 total). 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 5945

Best overall

1.VIB Super Card10% cashback · cap: 500,000 points per category per statement; 1,000,000 total≈ 10% 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.VIB Super Card
Chosen category: Shopping
Cap 500,000 points per category per statement; 1,000,000 total
Choose one category in MyVIB. The published list includes pawn shops (5933) and salvage yards (5935).
Terms checked 2026-10-01 · Issuer terms ·
10% 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.VPBank Lady Mastercard
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)

FAQ

Which credit card is best for MCC 5945 in Vietnam?

What is MCC 5945?

MCC 5945 is the merchant category code for Hobby, Toy, and Game Shops (Retail). MCC 5945 covers hobby, toy, and game shops, including toy stores, model and craft kits, board games, and hobby supplies. It is distinct from 5816 (digital games), 5734 (software), and 5970 (artist's supply and craft shops). Video game retailers selling physical games may use 5945 or 5734.

Which cards earn no rewards on MCC 5945 in Vietnam?

Techcombank Spark, Techcombank Everyday exclude MCC 5945 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.