Best credit card for MCC 8099 in Vietnam

MCC 8099 · Medical Services and Health Practitioners not Elsewhere Classified · Healthcare

For MCC 8099 (Medical Services and Health Practitioners not Elsewhere Classified) 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 8099

Best overall

1.VPBank Lady Mastercard15% cashback · cap: VND 300,000 per statement (VND 150,000 below VND 15m spend)≈ 15% back
2.HSBC Cash Back Credit Card1% cashback · cap: Unlimited≈ 1.0% back
3.Sacombank Platinum American Express0.5% cashback≈ 0.50% back
4.Sacombank Visa UNIQ Platinum0.5% cashback≈ 0.50% back
5.Vietcombank Cashplus Platinum American Express0.5% 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.HSBC Cash Back Credit Card
Health care
Cap Unlimited
Terms checked 2026-09-24 · Issuer terms ·
1% cashback
3.Sacombank Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% cashback
4.Sacombank Visa UNIQ Platinum
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.5% cashback
5.Vietcombank Cashplus Platinum American Express
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
0.5% 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.VIB Cash Back
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% cashback
9.VIB Super Card
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)

FAQ

Which credit card is best for MCC 8099 in Vietnam?

What is MCC 8099?

MCC 8099 is the merchant category code for Medical Services and Health Practitioners not Elsewhere Classified (Healthcare). MCC 8099 covers medical services and health practitioners not classified elsewhere, such as medical clinics, health screenings, physiotherapy, and other health services without a specific code. Doctors use 8011, dentists 8021, hospitals 8062, and medical laboratories 8071. It is widely used by clinics without a more specific code.

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.