Best credit card for MCC 7298 in Vietnam

MCC 7298 · Health and Beauty Spas · Beauty/Wellness

For MCC 7298 (Health and Beauty Spas) 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)).

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 7298

Best overall

1.VPBank Lady Mastercard15% cashback · cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)≈ 15% back
2.TPBank EVO Visa10% cashback · cap: VND 250,000 per category; VND 500,000 per statement≈ 10% back
3.Techcombank Spark8% cashback · cap: 500,000 U-Points per month≈ 8.0% back
4.Sacombank Platinum American Express0.5% cashback≈ 0.50% back
5.Sacombank Visa UNIQ Platinum0.5% cashback≈ 0.50% 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 ·
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 ·
10% cashback
3.Techcombank Spark
Chosen category: Entertainment
Cap 500,000 U-Points per month
Choose 1 of 5 categories; list includes spas (7298)
Terms checked 2026-09-24 · Issuer terms ·
8% cashback
4.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
5.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
6.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
7.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
8.HSBC Live+ Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
9.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
10.VIB Super Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
11.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Sources (31)

FAQ

Which credit card is best for MCC 7298 in Vietnam?

For MCC 7298 (Health and Beauty Spas) 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 7298?

MCC 7298 is the merchant category code for Health and Beauty Spas (Beauty/Wellness). Covers health and beauty spas offering treatments such as facials, body treatments, massage and other wellness services. Barber and beauty salons use 7230, and massage parlours use 7297. Transactions may include individual treatments, prepaid packages and memberships. Stand-alone spas inside hotels may use this code rather than the hotel's.

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.

Best credit card for MCC 7298 in Vietnam

MCC 7298 · Health and Beauty Spas · Beauty/Wellness

For MCC 7298 (Health and Beauty Spas) 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)).

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 7298

Best overall

1.VPBank Lady Mastercard15% cashback · cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)≈ 15% back
2.TPBank EVO Visa10% cashback · cap: VND 250,000 per category; VND 500,000 per statement≈ 10% back
3.Techcombank Spark8% cashback · cap: 500,000 U-Points per month≈ 8.0% back
4.Sacombank Platinum American Express0.5% cashback≈ 0.50% back
5.Sacombank Visa UNIQ Platinum0.5% cashback≈ 0.50% 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 ·
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 ·
10% cashback
3.Techcombank Spark
Chosen category: Entertainment
Cap 500,000 U-Points per month
Choose 1 of 5 categories; list includes spas (7298)
Terms checked 2026-09-24 · Issuer terms ·
8% cashback
4.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
5.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
6.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
7.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
8.HSBC Live+ Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
9.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
10.VIB Super Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
11.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Sources (31)

FAQ

Which credit card is best for MCC 7298 in Vietnam?

For MCC 7298 (Health and Beauty Spas) 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 7298?

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.