Best credit card for MCC 7997 in Vietnam

MCC 7997 · Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses · Membership Clubs

For MCC 7997 (Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses) in Vietnam, the Techcombank Spark gives the highest cashback at 8% (cap: 500,000 U-Points per month).

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 7997

Best overall

1.Techcombank Spark8% cashback · cap: 500,000 U-Points per month≈ 8.0% 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.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
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 Lady Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.1% cashback
10.VPBank StepUp Mastercard
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback

Sources (28)

Merchants in Vietnam using MCC 7997

Aqua-Tots Swim Schools

Highlighted merchants use MCC 7997 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 7997 in Vietnam?

What is MCC 7997?

MCC 7997 is the merchant category code for Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses (Membership Clubs). Covers membership clubs for sports, recreation and leisure, including country clubs, golf clubs and private sports clubs. Health and fitness clubs are often classified under this code as well, while public golf courses use 7992. Transactions include membership dues, joining fees and on-site charges billed by the club.

Which merchants in Vietnam use MCC 7997?

Merchants in Vietnam seen with MCC 7997 include Aqua-Tots Swim Schools. A merchant's MCC can differ by payment channel, so check the code on your statement.

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.