Best credit card for MCC 5977 in Vietnam

1. 1.VPBank Lady Mastercard15% cashback · cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)≈ 15% 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.Techcombank Spark8% cashback · cap: 500,000 U-Points per month≈ 8.0% back
5. 5.HSBC Live+ Credit Card6% cashback · cap: VND 200,000 per calendar month (dining + shopping combined)≈ 6.0% back

Miles are converted at your mile value.

Cashback cards

• 1.VPBank Lady Mastercard

  Beauty care / Health care / Fashion / Entertainment

  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

  The issuer's list includes 9405 (Intra-Government Purchases) and 5561 (Recreational and Utility Trailers, under Fashion); both are kept as published

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

  15% cashback

• 2.TPBank EVO Visa

  Preference package 4: Beauty

  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 4 (beauty + e-commerce)

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

  10% cashback

• 3.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 · Rate changed?

  10% cashback

• 4.Techcombank Spark

  Chosen category: Fashion

  Cap 500,000 U-Points per month

  Choose 1 of 5 categories

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

  8% cashback

• 5.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

• 6.Sacombank Platinum American Express

  Base rate (no bonus for this MCC)

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

  0.5% cashback

• 7.Sacombank Visa UNIQ Platinum

  Base rate (no bonus for this MCC)

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

  0.5% cashback

• 8.Vietcombank Cashplus Platinum American Express

  Base rate (no bonus for this MCC)

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

  0.5% cashback

• 9.HSBC Cash Back Credit Card

  Base rate (no bonus for this MCC)

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

  0.3% cashback

• 10.VIB Cash Back

  Base rate (no bonus for this MCC)

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

  0.1% cashback

• 11.VPBank StepUp Mastercard

  Base rate (no bonus for this MCC)

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

  0.1% cashback

Which credit card is best for MCC 5977 in Vietnam?

For MCC 5977 (Cosmetic Stores) 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)).

What is MCC 5977?

MCC 5977 is the merchant category code for Cosmetic Stores (Cosmetic Stores). Covers cosmetic stores selling makeup, skincare, fragrance and beauty products. Pharmacies and drugstores use 5912, and beauty salons providing services use 7230. Some department stores selling cosmetics use their own department store code instead, and online beauty retailers may be coded here or elsewhere.