Best credit card for MCC 5960 in Vietnam

MCC 5960 · Direct Marketing Insurance services · Insurance/Direct Mktg

For MCC 5960 (Direct Marketing Insurance services) in Vietnam, the VPBank Lady Mastercard gives the highest cashback at 15% (cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)). 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 5960

Best overall

1.VPBank Lady Mastercard15% cashback · cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)≈ 15% 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.VPBank Lady Mastercard
Online insurance
Cap VND 300,000 per statement (VND 150,000 below VND 15m spend)Min spend 15% if total spend is at least VND 15m per statement cycle; 7.5% below
Online transactions only
Terms checked 2026-10-01 · Issuer terms ·
15% 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.VIB Super Card
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 5960 in Vietnam?

What is MCC 5960?

MCC 5960 is the merchant category code for Direct Marketing Insurance services (Insurance/Direct Mktg). MCC 5960 covers direct marketing of insurance services, where insurance policies are sold through mail, telephone, or online channels rather than through an agent. It is related to 6300 (insurance sales, underwriting, and premiums) and 6381 (insurance premiums). Because it falls within the direct marketing group, it can carry higher risk monitoring.

Which cards earn no rewards on MCC 5960 in Vietnam?

Techcombank Spark, Techcombank Everyday exclude MCC 5960 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.