Best credit card for MCC 7399 in Vietnam

MCC 7399 · Business Services Not Elsewhere Classified · Business Services

For MCC 7399 (Business Services Not Elsewhere Classified) in Vietnam, none of the cards we track gives a bonus. 4 cards (VPBank Lady Mastercard, VIB Super Card, Techcombank Spark…) 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 7399

Best overall

1.Sacombank Platinum American Express0.5% cashback≈ 0.50% back
2.Sacombank Visa UNIQ Platinum0.5% cashback≈ 0.50% back
3.Vietcombank Cashplus Platinum American Express0.5% cashback≈ 0.50% back
4.HSBC Cash Back Credit Card0.3% cashback≈ 0.30% back
5.HSBC Live+ Credit Card0.3% cashback≈ 0.30% back

Miles are converted at your mile value.

Cashback cards

1.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
2.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
3.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
4.HSBC Cash Back Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
5.HSBC Live+ Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
6.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
7.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

VPBank Lady MastercardVIB Super CardTechcombank SparkTechcombank Everyday

Sources (30)

FAQ

Which credit card is best for MCC 7399 in Vietnam?

What is MCC 7399?

MCC 7399 is the merchant category code for Business Services Not Elsewhere Classified (Business Services). MCC 7399 covers business services not classified elsewhere, a broad catch-all used by many service providers and some online platforms whose activity does not fit a more specific code. Because it is so broad, merchants under 7399 can vary widely, and some platforms and payment facilitators use it for mixed services.

Which cards earn no rewards on MCC 7399 in Vietnam?

VPBank Lady Mastercard, VIB Super Card, Techcombank Spark, Techcombank Everyday exclude MCC 7399 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.