Best credit card for MCC 8299 in Vietnam

MCC 8299 · Educational Services · Education

For MCC 8299 (Educational Services) in Vietnam, the VPBank Lady Mastercard gives the highest cashback at 15% (cap: VND 200,000 per statement (VND 100,000 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 8299

Best overall

1.VPBank Lady Mastercard15% cashback · cap: VND 200,000 per statement (VND 100,000 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.HSBC Cash Back Credit Card1% cashback · cap: Unlimited≈ 1.0% 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
Education
Cap VND 200,000 per statement (VND 100,000 below VND 15m spend)Min spend 15% if total spend is at least VND 15m per statement cycle; 7.5% below
Terms checked 2026-10-01 · Issuer terms ·
15% cashback
2.TPBank EVO Visa
Preference package 2: Education
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 2 (supermarket + education)
Terms checked 2026-09-24 · Issuer terms ·
10% cashback
3.HSBC Cash Back Credit Card
Education
Cap Unlimited
Terms checked 2026-09-24 · Issuer terms ·
1% 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 Live+ Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
8.Techcombank Spark
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% 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)

Merchants in Vietnam using MCC 8299

ELS Mathnasium Shane English School

Highlighted merchants use MCC 8299 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 8299 in Vietnam?

For MCC 8299 (Educational Services) in Vietnam, the VPBank Lady Mastercard gives the highest cashback at 15% (cap: VND 200,000 per statement (VND 100,000 below VND 15m spend)).

What is MCC 8299?

MCC 8299 is the merchant category code for Educational Services (Education). Covers educational services and schools not classified elsewhere, such as tutoring, test preparation, vocational training and enrichment classes. Primary and secondary schools use 8211, colleges and universities 8220, and correspondence schools 8241. Transactions include course fees, class packages and enrolment charges.

Which merchants in Vietnam use MCC 8299?

Merchants in Vietnam seen with MCC 8299 include ELS, Mathnasium, Shane English School. 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.

Best credit card for MCC 8299 in Vietnam

MCC 8299 · Educational Services · Education

For MCC 8299 (Educational Services) in Vietnam, the VPBank Lady Mastercard gives the highest cashback at 15% (cap: VND 200,000 per statement (VND 100,000 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 8299

Best overall

1.VPBank Lady Mastercard15% cashback · cap: VND 200,000 per statement (VND 100,000 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.HSBC Cash Back Credit Card1% cashback · cap: Unlimited≈ 1.0% 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
Education
Cap VND 200,000 per statement (VND 100,000 below VND 15m spend)Min spend 15% if total spend is at least VND 15m per statement cycle; 7.5% below
Terms checked 2026-10-01 · Issuer terms ·
15% cashback
2.TPBank EVO Visa
Preference package 2: Education
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 2 (supermarket + education)
Terms checked 2026-09-24 · Issuer terms ·
10% cashback
3.HSBC Cash Back Credit Card
Education
Cap Unlimited
Terms checked 2026-09-24 · Issuer terms ·
1% 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 Live+ Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.3% cashback
8.Techcombank Spark
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
0.1% 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)

Merchants in Vietnam using MCC 8299

ELS Mathnasium Shane English School

Highlighted merchants use MCC 8299 as their main code. Seen a different code? Report it.

FAQ

Which credit card is best for MCC 8299 in Vietnam?

For MCC 8299 (Educational Services) in Vietnam, the VPBank Lady Mastercard gives the highest cashback at 15% (cap: VND 200,000 per statement (VND 100,000 below VND 15m spend)).

What is MCC 8299?

Which merchants in Vietnam use MCC 8299?

Merchants in Vietnam seen with MCC 8299 include ELS, Mathnasium, Shane English School. 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.