Best credit card for MCC 6300 in Vietnam

MCC 6300 · Insurance Sales, Underwriting, and Premiums (eg monthly or yearly premiums) · Insurance

For MCC 6300 (Insurance Sales, Underwriting, and Premiums (eg monthly or yearly premiums)) 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 (VIB Super Card, VIB Cash Back) 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 6300

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.Techcombank Spark
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
8.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

VIB Super CardVIB Cash Back

Sources (28)

Merchants in Vietnam using MCC 6300

Generali

Highlighted merchants use MCC 6300 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 6300 in Vietnam?

What is MCC 6300?

MCC 6300 is the merchant category code for Insurance Sales, Underwriting, and Premiums (eg monthly or yearly premiums) (Insurance). Covers insurance sales, underwriting and premium payments, such as monthly or annual premiums for life, health, motor, home and travel insurance. Insurance sold through direct marketing channels is often coded 5960, and some insurers use 6399 (Insurance Not Elsewhere Classified).

Which merchants in Vietnam use MCC 6300?

Merchants in Vietnam seen with MCC 6300 include Generali. A merchant's MCC can differ by payment channel, so check the code on your statement.

Which cards earn no rewards on MCC 6300 in Vietnam?

VIB Super Card, VIB Cash Back exclude MCC 6300 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.