{
  "pack": {
    "id": "vn",
    "version": "1.0.0",
    "country": "VN",
    "currency": "VND",
    "tz_offset_minutes": 420,
    "default_amount": 1000000,
    "built_at": "2026-10-11",
    "read_at": "2026-10-11",
    "about": "Facts only (rate, cap, category, MCC, dates, minimum spend), written in Tapwhich's own words from each bank's public page or PDF. No bank text, logo or card image. Check the bank page before you spend."
  },
  "labels": {
    "countries": { "VN": { "en": "Vietnam", "vi": "Việt Nam" }, "JP": { "en": "Japan", "vi": "Nhật Bản" }, "KR": { "en": "South Korea", "vi": "Hàn Quốc" }, "TH": { "en": "Thailand", "vi": "Thái Lan" }, "SG": { "en": "Singapore", "vi": "Singapore" } },
    "choices": { "shopping": { "en": "shopping", "vi": "mua sắm" }, "travel": { "en": "travel", "vi": "du lịch" }, "education": { "en": "education", "vi": "giáo dục" }, "insurance": { "en": "insurance", "vi": "bảo hiểm" }, "overseas": { "en": "overseas spend", "vi": "chi tiêu nước ngoài" }, "dining": { "en": "dining", "vi": "ăn uống" }, "entertainment": { "en": "entertainment", "vi": "giải trí" }, "online": { "en": "online spend", "vi": "chi tiêu online" }, "supermarket": { "en": "supermarket", "vi": "siêu thị" }, "transport": { "en": "ride-hailing", "vi": "gọi xe" }, "convenience": { "en": "convenience store", "vi": "cửa hàng tiện lợi" }, "hotel": { "en": "hotel", "vi": "khách sạn" }, "services": { "en": "services", "vi": "dịch vụ" }, "airline": { "en": "airline", "vi": "hãng bay" }, "cinema": { "en": "cinema", "vi": "rạp phim" }, "digital": { "en": "digital and streaming", "vi": "nội dung số" } }
  },
  "fx": {
    "JPY": { "rate": 168.47, "source_url": "https://portal.vietcombank.com.vn/Usercontrols/TVPortal.TyGia/pXML.aspx", "read_at": "2026-10-11" }
  },
  "categories": [
    { "id": "dining", "en": "dining", "vi": "ăn uống", "mcc": [ "5811", "5812", "5813", "5814" ], "aliases": [ "restaurant", "food", "cafe", "coffee", "nhà hàng", "quán ăn", "cà phê" ] },
    { "id": "food_delivery", "en": "food delivery", "vi": "giao đồ ăn", "mcc": [ "5814" ], "aliases": [ "delivery", "đặt đồ ăn" ], "channel": "online" },
    { "id": "supermarket", "en": "supermarket", "vi": "siêu thị", "mcc": [ "5411" ], "aliases": [ "grocery", "groceries", "đi chợ" ] },
    { "id": "convenience", "en": "convenience store", "vi": "cửa hàng tiện lợi", "mcc": [ "5499" ], "aliases": [ "mini mart", "tiện lợi" ] },
    { "id": "ride_hailing", "en": "ride-hailing", "vi": "gọi xe", "mcc": [ "4121" ], "aliases": [ "taxi", "car", "bike", "xe ôm", "đặt xe" ] },
    { "id": "land_transport", "en": "bus and rail", "vi": "xe buýt và tàu", "mcc": [ "4111", "4112", "4131" ], "aliases": [ "bus", "train", "metro", "xe buýt", "tàu hỏa" ] },
    { "id": "ecommerce", "en": "online marketplace", "vi": "sàn thương mại điện tử", "mcc": [ "5262" ], "aliases": [ "online shopping", "marketplace", "mua sắm online", "tmđt" ], "channel": "online" },
    { "id": "fashion", "en": "fashion", "vi": "thời trang", "mcc": [ "5611", "5621", "5651", "5691" ], "aliases": [ "clothes", "clothing", "quần áo" ] },
    { "id": "department_store", "en": "department store", "vi": "trung tâm thương mại", "mcc": [ "5311" ], "aliases": [ "mall", "ttm" ] },
    { "id": "electronics", "en": "electronics", "vi": "điện máy", "mcc": [ "5732" ], "aliases": [ "phone", "laptop", "điện thoại" ] },
    { "id": "travel_agency", "en": "travel booking", "vi": "đặt vé và phòng", "mcc": [ "4722" ], "aliases": [ "ota", "booking", "tour", "đại lý du lịch" ], "channel": "online" },
    { "id": "hotel", "en": "hotel", "vi": "khách sạn", "mcc": [ "7011" ], "aliases": [ "resort", "homestay" ] },
    { "id": "airline", "en": "airline", "vi": "hãng bay", "mcc": [ "4511" ], "aliases": [ "flight", "air ticket", "vé máy bay" ] },
    { "id": "insurance", "en": "insurance", "vi": "bảo hiểm", "mcc": [ "6300", "5960" ], "aliases": [ "premium", "phí bảo hiểm" ] },
    { "id": "education", "en": "education", "vi": "giáo dục", "mcc": [ "8211", "8220", "8241", "8244", "8249", "8299" ], "aliases": [ "tuition", "school", "học phí", "trường học" ] },
    { "id": "cinema", "en": "cinema", "vi": "rạp phim", "mcc": [ "7832" ], "aliases": [ "movie", "film", "xem phim" ] },
    { "id": "entertainment", "en": "entertainment", "vi": "giải trí", "mcc": [ "7911", "7922", "7929", "7991", "7996", "7997", "7999" ], "aliases": [ "concert", "gym", "fitness", "karaoke", "thể thao" ] },
    { "id": "digital", "en": "digital goods", "vi": "nội dung số", "mcc": [ "5815", "5816", "5817", "5818" ], "aliases": [ "app store", "games", "ứng dụng" ], "channel": "online" },
    { "id": "subscription", "en": "subscriptions", "vi": "thuê bao định kỳ", "mcc": [ "4899", "5968" ], "aliases": [ "streaming", "music", "netflix" ], "channel": "online" },
    { "id": "fuel", "en": "fuel", "vi": "xăng dầu", "mcc": [ "5541", "5542" ], "aliases": [ "petrol", "gas station", "đổ xăng" ] },
    { "id": "bills", "en": "utility bills", "vi": "hóa đơn điện nước", "mcc": [ "4900", "4814" ], "aliases": [ "electricity", "water", "internet", "điện", "nước" ] },
    { "id": "health", "en": "pharmacy and health", "vi": "nhà thuốc và y tế", "mcc": [ "5912", "8011", "8062" ], "aliases": [ "pharmacy", "hospital", "nhà thuốc", "bệnh viện" ] },
    { "id": "other", "en": "anything else", "vi": "chi tiêu khác", "mcc": [], "aliases": [ "general", "other", "khác" ] }
  ],
  "merchants": [
    { "id": "grab", "name": "Grab", "aliases": [ "grabcar", "grabbike" ], "category": "ride_hailing", "mcc": "4121", "channel": "online" },
    { "id": "be", "name": "Be", "aliases": [ "be group", "becar", "bebike" ], "category": "ride_hailing", "mcc": "4121", "channel": "online" },
    { "id": "xanh-sm", "name": "Xanh SM", "aliases": [ "xanhsm", "gsm taxi" ], "category": "ride_hailing", "mcc": "4121", "channel": "online" },
    { "id": "grabfood", "name": "GrabFood", "aliases": [ "grab food" ], "category": "food_delivery", "mcc": "5814", "channel": "online" },
    { "id": "shopeefood", "name": "ShopeeFood", "aliases": [ "shopee food" ], "category": "food_delivery", "mcc": "5814", "channel": "online" },
    { "id": "shopee", "name": "Shopee", "aliases": [ "shopee mall" ], "category": "ecommerce", "mcc": "5262", "channel": "online" },
    { "id": "lazada", "name": "Lazada", "aliases": [ "lazmall" ], "category": "ecommerce", "mcc": "5262", "channel": "online" },
    { "id": "tiktok-shop", "name": "TikTok Shop", "aliases": [ "tiktok", "tiktokshop" ], "category": "ecommerce", "mcc": "5262", "channel": "online" },
    { "id": "tiki", "name": "Tiki", "aliases": [ "tiki.vn" ], "category": "ecommerce", "mcc": "5262", "channel": "online" },
    { "id": "coopmart", "name": "Co.opmart", "aliases": [ "coopmart", "co.op", "coop xtra", "co.opxtra" ], "category": "supermarket", "mcc": "5411", "channel": "pos" },
    { "id": "winmart", "name": "WinMart", "aliases": [ "vinmart", "winmart+" ], "category": "supermarket", "mcc": "5411", "channel": "pos" },
    { "id": "lotte-mart", "name": "Lotte Mart", "aliases": [ "lottemart" ], "category": "supermarket", "mcc": "5411", "channel": "pos" },
    { "id": "go-bigc", "name": "GO! / Big C", "aliases": [ "big c", "bigc", "go mall", "tops market" ], "category": "supermarket", "mcc": "5411", "channel": "pos" },
    { "id": "bach-hoa-xanh", "name": "Bách Hóa Xanh", "aliases": [ "bach hoa xanh", "bhx" ], "category": "supermarket", "mcc": "5411", "channel": "pos" },
    { "id": "circle-k", "name": "Circle K", "aliases": [ "circlek" ], "category": "convenience", "mcc": "5499", "channel": "pos" },
    { "id": "familymart", "name": "FamilyMart", "aliases": [ "family mart" ], "category": "convenience", "mcc": "5499", "channel": "pos" },
    { "id": "7-eleven", "name": "7-Eleven", "aliases": [ "7eleven", "seven eleven" ], "category": "convenience", "mcc": "5499", "channel": "pos" },
    { "id": "highlands", "name": "Highlands Coffee", "aliases": [ "highlands" ], "category": "dining", "mcc": "5814", "channel": "pos" },
    { "id": "starbucks", "name": "Starbucks", "aliases": [], "category": "dining", "mcc": "5814", "channel": "pos" },
    { "id": "phuc-long", "name": "Phúc Long", "aliases": [ "phuc long" ], "category": "dining", "mcc": "5814", "channel": "pos" },
    { "id": "kfc", "name": "KFC", "aliases": [], "category": "dining", "mcc": "5814", "channel": "pos" },
    { "id": "vietnam-airlines", "name": "Vietnam Airlines", "aliases": [ "vna" ], "category": "airline", "mcc": "4511", "channel": "online" },
    { "id": "vietjet", "name": "Vietjet Air", "aliases": [ "vietjet", "vj" ], "category": "airline", "mcc": "4511", "channel": "online" },
    { "id": "agoda", "name": "Agoda", "aliases": [], "category": "travel_agency", "mcc": "4722", "channel": "online" },
    { "id": "traveloka", "name": "Traveloka", "aliases": [], "category": "travel_agency", "mcc": "4722", "channel": "online" },
    { "id": "trip-com", "name": "Trip.com", "aliases": [ "trip", "ctrip" ], "category": "travel_agency", "mcc": "4722", "channel": "online" },
    { "id": "booking-com", "name": "Booking.com", "aliases": [ "booking" ], "category": "travel_agency", "mcc": "4722", "channel": "online" },
    { "id": "cgv", "name": "CGV", "aliases": [ "cgv cinemas" ], "category": "cinema", "mcc": "7832", "channel": "pos" },
    { "id": "galaxy-cinema", "name": "Galaxy Cinema", "aliases": [ "galaxy" ], "category": "cinema", "mcc": "7832", "channel": "pos" },
    { "id": "netflix", "name": "Netflix", "aliases": [], "category": "subscription", "mcc": "4899", "channel": "online" },
    { "id": "spotify", "name": "Spotify", "aliases": [], "category": "subscription", "mcc": "5815", "channel": "online" },
    { "id": "app-store", "name": "App Store / Google Play", "aliases": [ "apple", "google play", "itunes" ], "category": "digital", "mcc": "5818", "channel": "online" },
    { "id": "petrolimex", "name": "Petrolimex", "aliases": [ "xang dau", "pvoil" ], "category": "fuel", "mcc": "5542", "channel": "pos" },
    { "id": "dien-may-xanh", "name": "Điện Máy Xanh", "aliases": [ "dien may xanh", "dmx", "the gioi di dong", "tgdd" ], "category": "electronics", "mcc": "5732", "channel": "pos" },
    { "id": "uniqlo", "name": "Uniqlo", "aliases": [], "category": "fashion", "mcc": "5651", "channel": "pos" },
    { "id": "long-chau", "name": "Long Châu", "aliases": [ "long chau", "pharmacity" ], "category": "health", "mcc": "5912", "channel": "pos" }
  ],
  "cities": [
    { "id": "hanoi", "name": "Hà Nội", "aliases": [ "hanoi", "ha noi", "hn" ], "country": "VN", "lat": 21.0285, "lon": 105.8542 },
    { "id": "hcmc", "name": "Ho Chi Minh City", "aliases": [ "saigon", "sài gòn", "hồ chí minh", "tp hcm", "hcm" ], "country": "VN", "lat": 10.7769, "lon": 106.7009 },
    { "id": "da-nang", "name": "Đà Nẵng", "aliases": [ "da nang", "danang" ], "country": "VN", "lat": 16.0544, "lon": 108.2022 },
    { "id": "hai-phong", "name": "Hải Phòng", "aliases": [ "hai phong" ], "country": "VN", "lat": 20.8449, "lon": 106.6881 },
    { "id": "can-tho", "name": "Cần Thơ", "aliases": [ "can tho" ], "country": "VN", "lat": 10.0452, "lon": 105.7469 },
    { "id": "nha-trang", "name": "Nha Trang", "aliases": [], "country": "VN", "lat": 12.2388, "lon": 109.1967 },
    { "id": "da-lat", "name": "Đà Lạt", "aliases": [ "da lat", "dalat" ], "country": "VN", "lat": 11.9404, "lon": 108.4583 },
    { "id": "hue", "name": "Huế", "aliases": [ "hue" ], "country": "VN", "lat": 16.4637, "lon": 107.5909 },
    { "id": "phu-quoc", "name": "Phú Quốc", "aliases": [ "phu quoc" ], "country": "VN", "lat": 10.2899, "lon": 103.984 },
    { "id": "vung-tau", "name": "Vũng Tàu", "aliases": [ "vung tau" ], "country": "VN", "lat": 10.346, "lon": 107.0843 },
    { "id": "ha-long", "name": "Hạ Long", "aliases": [ "ha long", "halong" ], "country": "VN", "lat": 20.9517, "lon": 107.0748 },
    { "id": "tokyo", "name": "Tokyo", "aliases": [ "tokyo", "tōkyō", "nhật bản", "japan" ], "country": "JP", "lat": 35.6762, "lon": 139.6503 },
    { "id": "osaka", "name": "Osaka", "aliases": [], "country": "JP", "lat": 34.6937, "lon": 135.5023 },
    { "id": "kyoto", "name": "Kyoto", "aliases": [], "country": "JP", "lat": 35.0116, "lon": 135.7681 },
    { "id": "sapporo", "name": "Sapporo", "aliases": [], "country": "JP", "lat": 43.0618, "lon": 141.3545 },
    { "id": "seoul", "name": "Seoul", "aliases": [ "hàn quốc", "korea" ], "country": "KR", "lat": 37.5665, "lon": 126.978 },
    { "id": "bangkok", "name": "Bangkok", "aliases": [ "thái lan", "thailand" ], "country": "TH", "lat": 13.7563, "lon": 100.5018 },
    { "id": "singapore", "name": "Singapore", "aliases": [], "country": "SG", "lat": 1.3521, "lon": 103.8198 }
  ],
  "cards": [
    { "id": "vib-one-signature", "bank": "VIB", "name": "VIB One Card Signature", "annual_fee": 2999000, "fx_fee": 0.01, "notes": [ "FX fee is 0% for the first 3 statements, then 1%." ] },
    { "id": "vib-one-platinum", "bank": "VIB", "name": "VIB One Card Platinum", "fx_fee": 0.03 },
    { "id": "vib-one-gold", "bank": "VIB", "name": "VIB One Card Gold", "fx_fee": 0.035 },
    { "id": "vib-max-starter", "bank": "VIB", "name": "VIB Max Card · Starter plan", "notes": [ "Plan fee 0 VND per month." ] },
    { "id": "vib-max-plus", "bank": "VIB", "name": "VIB Max Card · Plus plan", "notes": [ "Plan fee 100,000 VND per month." ] },
    { "id": "vib-max-pro", "bank": "VIB", "name": "VIB Max Card · Pro plan", "notes": [ "Plan fee 166,666 VND per month." ] },
    { "id": "vib-max-elite", "bank": "VIB", "name": "VIB Max Card · Elite plan", "notes": [ "Plan fee 333,333 VND per month." ] },
    { "id": "vpbank-stepup", "bank": "VPBank", "name": "VPBank StepUP", "notes": [ "Statement runs from the 21st to the 20th." ] },
    { "id": "vpbank-z-jcb", "bank": "VPBank", "name": "VPBank Z JCB", "network": "JCB" },
    { "id": "vpbank-shopee-platinum", "bank": "VPBank", "name": "VPBank Shopee Platinum" },
    { "id": "sacombank-visa-cashback", "bank": "Sacombank", "name": "Sacombank Visa Platinum Cashback", "network": "Visa", "annual_fee": 599000 },
    { "id": "shinhan-cashback-platinum", "bank": "Shinhan", "name": "Shinhan Cash Back Platinum", "network": "Visa" },
    { "id": "shinhan-cashback-classic", "bank": "Shinhan", "name": "Shinhan Cash Back Classic", "network": "Visa" },
    { "id": "hsbc-live-plus", "bank": "HSBC", "name": "HSBC Live+", "annual_fee": 800000 },
    { "id": "cake-freedom", "bank": "Cake", "name": "Cake Freedom" },
    { "id": "msb-mdigi", "bank": "MSB", "name": "MSB Mastercard mDigi", "network": "Mastercard" },
    { "id": "techcombank-everyday", "bank": "Techcombank", "name": "Techcombank Everyday", "annual_fee": 599000, "fx_fee": 0.0295 },
    { "id": "uob-one", "bank": "UOB", "name": "UOB One", "network": "Mastercard", "annual_fee": 1200000 },
    { "id": "vcb-visa-platinum", "bank": "Vietcombank", "name": "Vietcombank Visa Platinum", "network": "Visa" },
    { "id": "acb-visa-platinum", "bank": "ACB", "name": "ACB Visa Platinum", "network": "Visa", "notes": [ "Pick cashback, not points, in the ACB ONE app." ] },
    { "id": "acb-visa-signature", "bank": "ACB", "name": "ACB Visa Signature", "network": "Visa", "notes": [ "Pick cashback, not points, in the ACB ONE app." ] },
    { "id": "acb-privilege-signature", "bank": "ACB", "name": "ACB Privilege Visa Signature", "network": "Visa", "notes": [ "Pick cashback, not points, in the ACB ONE app." ] },
    { "id": "bidv-cashback-online", "bank": "BIDV", "name": "BIDV Visa Cashback Online", "network": "Visa", "annual_fee": 1000000, "fx_fee": 0.0236, "notes": [ "FX fee is 1% conversion plus 1.36% overseas processing." ] }
  ],
  "rules": [
    { "id": "vib-one-signature-pick3", "card": "vib-one-signature", "rate": 0.09, "options": { "group": "vib-one", "pick": 3, "choices": { "shopping": { "categories": [ "ecommerce", "fashion", "department_store", "electronics" ] }, "travel": { "categories": [ "airline", "hotel", "travel_agency" ] }, "education": { "categories": [ "education" ] }, "insurance": { "categories": [ "insurance" ] }, "overseas": { "abroad": true } } }, "caps": [ { "amount": 1500000, "per": "statement" } ], "notes": [ "Credit limit over 100M VND.", "You may change one category per statement.", "VIB's MCC list decides the category." ], "source_url": "https://www.vib.com.vn/vn/the-tin-dung/vib-one-card", "read_at": "2026-10-11", "check_terms": [ "9%" ] },
    { "id": "vib-one-platinum-pick2", "card": "vib-one-platinum", "rate": 0.06, "options": { "group": "vib-one", "pick": 2, "choices": { "shopping": { "categories": [ "ecommerce", "fashion", "department_store", "electronics" ] }, "travel": { "categories": [ "airline", "hotel", "travel_agency" ] }, "education": { "categories": [ "education" ] }, "insurance": { "categories": [ "insurance" ] }, "overseas": { "abroad": true } } }, "caps": [ { "amount": 1000000, "per": "statement" } ], "notes": [ "Credit limit 50M to 100M VND.", "VIB's MCC list decides the category." ], "source_url": "https://www.vib.com.vn/vn/the-tin-dung/vib-one-card", "read_at": "2026-10-11", "check_terms": [ "6%" ] },
    { "id": "vib-one-gold-pick1", "card": "vib-one-gold", "rate": 0.03, "options": { "group": "vib-one", "pick": 1, "choices": { "shopping": { "categories": [ "ecommerce", "fashion", "department_store", "electronics" ] }, "travel": { "categories": [ "airline", "hotel", "travel_agency" ] }, "education": { "categories": [ "education" ] }, "insurance": { "categories": [ "insurance" ] }, "overseas": { "abroad": true } } }, "caps": [ { "amount": 500000, "per": "statement" } ], "notes": [ "Credit limit up to 50M VND.", "VIB's MCC list decides the category." ], "source_url": "https://www.vib.com.vn/vn/the-tin-dung/vib-one-card", "read_at": "2026-10-11", "check_terms": [ "3%" ] },
    { "id": "vib-max-starter-pick", "card": "vib-max-starter", "rate": 0.005, "options": { "group": "vib-max", "pick": 1, "choices": { "shopping": { "categories": [ "ecommerce", "fashion", "department_store", "electronics", "supermarket" ] }, "travel": { "mcc": [ "7011", "4511", "4722" ], "categories": [ "hotel", "airline", "travel_agency" ] }, "dining": { "mcc": [ "5811", "5812", "5813", "5814" ] }, "entertainment": { "mcc": [ "5815", "5816", "7829", "7832", "7841", "7911", "7922", "7929", "7932", "7933", "7941", "7991", "7992", "7993", "7994", "7995", "7996", "7997", "7998", "7999" ] }, "online": { "channel": "online" } } }, "exclude": { "mcc": [ "6300", "7399" ] }, "caps": [ { "amount": 500000, "per": "statement" }, { "amount": 6000000, "per": "year" } ], "notes": [ "Online category leaves out MCC 6300 and 7399.", "VIB's MCC decides the category." ], "source_url": "https://www.vib.com.vn/vn/max-card/diem-thuong-hoan-tien", "read_at": "2026-10-11", "valid_from": "2026-03-30", "check_terms": [ "0.5%" ] },
    { "id": "vib-max-plus-pick", "card": "vib-max-plus", "rate": 0.05, "options": { "group": "vib-max", "pick": 1, "choices": { "shopping": { "categories": [ "ecommerce", "fashion", "department_store", "electronics", "supermarket" ] }, "travel": { "mcc": [ "7011", "4511", "4722" ], "categories": [ "hotel", "airline", "travel_agency" ] }, "dining": { "mcc": [ "5811", "5812", "5813", "5814" ] }, "entertainment": { "mcc": [ "5815", "5816", "7829", "7832", "7841", "7911", "7922", "7929", "7932", "7933", "7941", "7991", "7992", "7993", "7994", "7995", "7996", "7997", "7998", "7999" ] }, "online": { "channel": "online" } } }, "exclude": { "mcc": [ "6300", "7399" ] }, "caps": [ { "amount": 500000, "per": "statement" }, { "amount": 6000000, "per": "year" } ], "notes": [ "Online category leaves out MCC 6300 and 7399.", "VIB's MCC decides the category." ], "source_url": "https://www.vib.com.vn/vn/max-card/diem-thuong-hoan-tien", "read_at": "2026-10-11", "valid_from": "2026-03-30", "check_terms": [ "5%" ] },
    { "id": "vib-max-pro-pick", "card": "vib-max-pro", "rate": 0.08, "options": { "group": "vib-max", "pick": 1, "choices": { "shopping": { "categories": [ "ecommerce", "fashion", "department_store", "electronics", "supermarket" ] }, "travel": { "mcc": [ "7011", "4511", "4722" ], "categories": [ "hotel", "airline", "travel_agency" ] }, "dining": { "mcc": [ "5811", "5812", "5813", "5814" ] }, "entertainment": { "mcc": [ "5815", "5816", "7829", "7832", "7841", "7911", "7922", "7929", "7932", "7933", "7941", "7991", "7992", "7993", "7994", "7995", "7996", "7997", "7998", "7999" ] }, "online": { "channel": "online" } } }, "exclude": { "mcc": [ "6300", "7399" ] }, "caps": [ { "amount": 1000000, "per": "statement" }, { "amount": 12000000, "per": "year" } ], "notes": [ "Online category leaves out MCC 6300 and 7399.", "VIB's MCC decides the category." ], "source_url": "https://www.vib.com.vn/vn/max-card/diem-thuong-hoan-tien", "read_at": "2026-10-11", "valid_from": "2026-03-30", "check_terms": [ "8%" ] },
    { "id": "vib-max-elite-pick", "card": "vib-max-elite", "rate": 0.1, "options": { "group": "vib-max", "pick": 1, "choices": { "shopping": { "categories": [ "ecommerce", "fashion", "department_store", "electronics", "supermarket" ] }, "travel": { "mcc": [ "7011", "4511", "4722" ], "categories": [ "hotel", "airline", "travel_agency" ] }, "dining": { "mcc": [ "5811", "5812", "5813", "5814" ] }, "entertainment": { "mcc": [ "5815", "5816", "7829", "7832", "7841", "7911", "7922", "7929", "7932", "7933", "7941", "7991", "7992", "7993", "7994", "7995", "7996", "7997", "7998", "7999" ] }, "online": { "channel": "online" } } }, "exclude": { "mcc": [ "6300", "7399" ] }, "caps": [ { "amount": 1500000, "per": "statement" }, { "amount": 18000000, "per": "year" } ], "notes": [ "Online category leaves out MCC 6300 and 7399.", "VIB's MCC decides the category." ], "source_url": "https://www.vib.com.vn/vn/max-card/diem-thuong-hoan-tien", "read_at": "2026-10-11", "valid_from": "2026-03-30", "check_terms": [ "10%" ] },
    { "id": "vib-max-base", "card": [ "vib-max-starter", "vib-max-plus", "vib-max-pro", "vib-max-elite" ], "rate": 0.001, "match": { "any": true }, "notes": [ "Spend outside your chosen category." ], "source_url": "https://www.vib.com.vn/vn/max-card/diem-thuong-hoan-tien", "read_at": "2026-10-11", "check_terms": [ "0.1%" ] },
    { "id": "stepup-online-top", "card": "vpbank-stepup", "rate": 0.15, "match": { "channel": "online" }, "exclude": { "merchants": [ "shopee", "shopeefood" ], "mcc": [ "5960", "6300" ], "categories": [ "fuel", "bills" ] }, "spend": { "min": 100000000, "per": "statement", "ladder": true }, "caps": [ { "amount": 1500000, "per": "statement" } ], "verify": true, "notes": [ "No cashback on e-wallet top-ups, VPBank NEO, installments, fuel, bills or telecom.", "The PDF term ended 20/11/2025; the product page still shows the same rates. Check on each refresh." ], "source_url": "https://www.vpbank.com.vn/ca-nhan/the-tin-dung/vpbank-stepup", "read_at": "2026-10-11", "check_terms": [ "15%" ] },
    { "id": "stepup-online-mid", "card": "vpbank-stepup", "rate": 0.15, "match": { "channel": "online" }, "exclude": { "merchants": [ "shopee", "shopeefood" ], "mcc": [ "5960", "6300" ], "categories": [ "fuel", "bills" ] }, "spend": { "min": 10000000, "below": 100000000, "per": "statement", "ladder": true }, "caps": [ { "amount": 700000, "per": "statement" } ], "verify": true, "notes": [ "No cashback on e-wallet top-ups, VPBank NEO, installments, fuel, bills or telecom." ], "source_url": "https://www.vpbank.com.vn/ca-nhan/the-tin-dung/vpbank-stepup", "read_at": "2026-10-11", "check_terms": [ "15%" ] },
    { "id": "stepup-online-low", "card": "vpbank-stepup", "rate": 0.15, "match": { "channel": "online" }, "exclude": { "merchants": [ "shopee", "shopeefood" ], "mcc": [ "5960", "6300" ], "categories": [ "fuel", "bills" ] }, "spend": { "below": 10000000, "per": "statement", "ladder": true }, "caps": [ { "amount": 300000, "per": "statement" } ], "verify": true, "notes": [ "No cashback on e-wallet top-ups, VPBank NEO, installments, fuel, bills or telecom." ], "source_url": "https://www.vpbank.com.vn/ca-nhan/the-tin-dung/vpbank-stepup", "read_at": "2026-10-11", "check_terms": [ "15%" ] },
    { "id": "stepup-dining", "card": "vpbank-stepup", "rate": 0.04, "match": { "mcc": [ "5811", "5812", "5813", "5814", "5921" ] }, "caps": [ { "amount": 200000, "per": "statement" } ], "verify": true, "notes": [ "Dining MCC 5811 to 5814 and 5921." ], "source_url": "https://www.vpbank.com.vn/-/media/vpbank-latest/1retail/files/cards/2025/TnC-Step-Up-082025-.pdf", "read_at": "2026-10-11", "check_terms": [ "4%" ] },
    { "id": "stepup-base", "card": "vpbank-stepup", "rate": 0.001, "match": { "any": true }, "notes": [ "Other spend, no cap." ], "source_url": "https://www.vpbank.com.vn/ca-nhan/the-tin-dung/vpbank-stepup", "read_at": "2026-10-11", "check_terms": [ "0,1%" ] },
    { "id": "zjcb-dining", "card": "vpbank-z-jcb", "rate": 0.15, "match": { "categories": [ "dining" ] }, "caps": [ { "amount": 500000, "per": "statement" }, { "amount": 1000000, "per": "statement", "scope": "card" } ], "valid_from": "2026-08-27", "notes": [ "No minimum spend." ], "source_url": "https://www.vpbank.com.vn/tin-tuc/tin-vpbank/2026/the-vpbank-z-jcb-nang-muc-ti-le-hoan-tien-khung", "read_at": "2026-10-11", "check_terms": [ "15%" ] },
    { "id": "zjcb-fun", "card": "vpbank-z-jcb", "rate": 0.15, "match": { "categories": [ "entertainment", "cinema" ] }, "caps": [ { "amount": 500000, "per": "statement" }, { "amount": 1000000, "per": "statement", "scope": "card" } ], "valid_from": "2026-08-27", "notes": [ "Entertainment and fitness group.", "No minimum spend." ], "source_url": "https://www.vpbank.com.vn/tin-tuc/tin-vpbank/2026/the-vpbank-z-jcb-nang-muc-ti-le-hoan-tien-khung", "read_at": "2026-10-11", "check_terms": [ "15%" ] },
    { "id": "zjcb-ride-food", "card": "vpbank-z-jcb", "rate": 0.15, "match": { "merchants": [ "grab", "be", "grabfood", "shopeefood" ] }, "caps": [ { "amount": 500000, "per": "statement" }, { "amount": 1000000, "per": "statement", "scope": "card" } ], "valid_from": "2026-08-27", "notes": [ "Grab, Be and ShopeeFood group.", "No minimum spend." ], "source_url": "https://www.vpbank.com.vn/tin-tuc/tin-vpbank/2026/the-vpbank-z-jcb-nang-muc-ti-le-hoan-tien-khung", "read_at": "2026-10-11", "check_terms": [ "15%" ] },
    { "id": "zjcb-japan-high", "card": "vpbank-z-jcb", "rate": 0.2, "stacks": true, "match": { "countries": [ "JP" ], "channel": "pos" }, "spend": { "min": 100000, "currency": "JPY", "per": "month", "ladder": true }, "caps": [ { "amount": 20000, "currency": "JPY", "per": "month" }, { "amount": 60000, "currency": "JPY", "per": "total" } ], "valid_from": "2026-10-01", "valid_to": "2026-12-31", "notes": [ "In-store in Japan, paid in JPY; online does not count.", "Adds on top of the card's usual cashback.", "No sign-up needed; payout can take over 3 months." ], "source_url": "https://www.vpbank.com.vn/-/media/vpbank-latest/1retail/cards/credit-cards/thang-10/tnc-jcb-hoantien.pdf", "read_at": "2026-10-11", "check_terms": [ "20%" ] },
    { "id": "zjcb-japan-low", "card": "vpbank-z-jcb", "rate": 0.1, "stacks": true, "match": { "countries": [ "JP" ], "channel": "pos" }, "spend": { "below": 100000, "currency": "JPY", "per": "month", "ladder": true }, "caps": [ { "amount": 10000, "currency": "JPY", "per": "month" }, { "amount": 60000, "currency": "JPY", "per": "total" } ], "valid_from": "2026-10-01", "valid_to": "2026-12-31", "notes": [ "In-store in Japan, paid in JPY; online does not count.", "Adds on top of the card's usual cashback." ], "source_url": "https://www.vpbank.com.vn/-/media/vpbank-latest/1retail/cards/credit-cards/thang-10/tnc-jcb-hoantien.pdf", "read_at": "2026-10-11", "check_terms": [ "10%" ] },
    { "id": "shopee-plat-shopee", "card": "vpbank-shopee-platinum", "rate": 0.06, "match": { "merchants": [ "shopee", "shopeefood" ] }, "spend": { "min": 2000000, "per": "statement" }, "caps": [ { "amount": 250000, "per": "statement" } ], "notes": [ "Needs 2,000,000 VND spend per statement.", "Withdraw through VPBank NEO, 500,000 VND minimum; cashback expires after 24 months." ], "source_url": "https://www.vpbank.com.vn/ca-nhan/the-tin-dung/the-tin-dung-shopee-platinum", "read_at": "2026-10-11", "check_terms": [ "6%" ] },
    { "id": "shopee-plat-daily", "card": "vpbank-shopee-platinum", "rate": 0.01, "match": { "categories": [ "dining" ], "merchants": [ "coopmart", "go-bigc", "lotte-mart", "winmart", "grab", "be" ] }, "spend": { "min": 2000000, "per": "statement" }, "caps": [ { "amount": 150000, "per": "statement" } ], "notes": [ "Dining, Co.op, BigC, Lotte Mart, WinMart, Grab and Be.", "Needs 2,000,000 VND spend per statement." ], "source_url": "https://www.vpbank.com.vn/ca-nhan/the-tin-dung/the-tin-dung-shopee-platinum", "read_at": "2026-10-11", "check_terms": [ "1%" ] },
    { "id": "shopee-plat-base", "card": "vpbank-shopee-platinum", "rate": 0.001, "match": { "any": true }, "notes": [ "Other spend." ], "source_url": "https://www.vpbank.com.vn/ca-nhan/the-tin-dung/the-tin-dung-shopee-platinum", "read_at": "2026-10-11", "check_terms": [ "0,1%" ] },
    { "id": "sacom-transport", "card": "sacombank-visa-cashback", "rate": 0.168, "match": { "categories": [ "ride_hailing", "land_transport" ] }, "per_txn": { "min": 100000 }, "caps": [ { "amount": 680000, "per": "statement", "scope": "card" } ], "notes": [ "Each transaction must be 100,000 VND or more.", "Cap of 680,000 VND is shared with supermarkets.", "Paid between the 15th and 25th of next month." ], "source_url": "https://www.sacombank.com.vn/content/dam/sacombank/files/ca-nhan/the/tin-dung/Quy-dinh-hoan-tien-Visa-PlatinumCashback.pdf", "read_at": "2026-10-11", "check_terms": [ "16,8%" ] },
    { "id": "sacom-grocery", "card": "sacombank-visa-cashback", "rate": 0.068, "match": { "categories": [ "supermarket", "convenience" ] }, "per_txn": { "min": 100000 }, "caps": [ { "amount": 680000, "per": "statement", "scope": "card" } ], "notes": [ "Each transaction must be 100,000 VND or more.", "Cap of 680,000 VND is shared with transport." ], "source_url": "https://www.sacombank.com.vn/content/dam/sacombank/files/ca-nhan/the/tin-dung/Quy-dinh-hoan-tien-Visa-PlatinumCashback.pdf", "read_at": "2026-10-11", "check_terms": [ "6,8%" ] },
    { "id": "sacom-base", "card": "sacombank-visa-cashback", "rate": 0.0039, "match": { "any": true }, "notes": [ "Other spend, no cap." ], "source_url": "https://www.sacombank.com.vn/content/dam/sacombank/files/ca-nhan/the/tin-dung/Quy-dinh-hoan-tien-Visa-PlatinumCashback.pdf", "read_at": "2026-10-11", "check_terms": [ "0,39%" ] },
    { "id": "shinhan-plat-weekend", "card": "shinhan-cashback-platinum", "rate": 0.054, "match": { "categories": [ "dining" ], "weekdays": [ 0, 6 ] }, "spend": { "min": 10000000, "per": "statement" }, "caps": [ { "amount": 300000, "per": "statement" } ], "notes": [ "Saturday and Sunday only: 5% extra on the 0.4% base.", "Needs 10,000,000 VND spend per statement; installments, bills and cash do not count." ], "source_url": "https://shinhan.com.vn/vi/card/the-tin-dung-quoc-te-visa-cash-back-hang-bach-kim.html", "read_at": "2026-10-11", "check_terms": [ "5%" ] },
    { "id": "shinhan-plat-base", "card": "shinhan-cashback-platinum", "rate": 0.004, "match": { "any": true }, "notes": [ "Base rate." ], "source_url": "https://shinhan.com.vn/vi/card/the-tin-dung-quoc-te-visa-cash-back-hang-bach-kim.html", "read_at": "2026-10-11", "check_terms": [ "0,4%" ] },
    { "id": "shinhan-classic-weekend", "card": "shinhan-cashback-classic", "rate": 0.053, "match": { "categories": [ "dining" ], "weekdays": [ 0, 6 ] }, "spend": { "min": 10000000, "per": "statement" }, "caps": [ { "amount": 100000, "per": "statement" } ], "notes": [ "Saturday and Sunday only: 5% extra on the 0.3% base.", "Needs 10,000,000 VND spend per statement." ], "source_url": "https://shinhan.com.vn/vi/card/the-tin-dung-quoc-te-visa-cash-back-chuan.html", "read_at": "2026-10-11", "check_terms": [ "5%" ] },
    { "id": "shinhan-classic-base", "card": "shinhan-cashback-classic", "rate": 0.003, "match": { "any": true }, "notes": [ "Base rate." ], "source_url": "https://shinhan.com.vn/vi/card/the-tin-dung-quoc-te-visa-cash-back-chuan.html", "read_at": "2026-10-11", "check_terms": [ "0,3%" ] },
    { "id": "hsbc-liveplus-main", "card": "hsbc-live-plus", "rate": 0.06, "match": { "categories": [ "dining", "ecommerce", "fashion", "department_store", "supermarket", "electronics" ] }, "caps": [ { "amount": 200000, "per": "month" } ], "notes": [ "8% for HSBC payroll customers.", "Monthly income 9M VND or more to hold the card." ], "source_url": "https://www.hsbc.com.vn/en-vn/credit-cards/products/liveplus/", "read_at": "2026-10-11", "check_terms": [ "6%" ] },
    { "id": "hsbc-liveplus-fun", "card": "hsbc-live-plus", "rate": 0.01, "match": { "categories": [ "entertainment", "cinema" ] }, "notes": [ "No cap." ], "source_url": "https://www.hsbc.com.vn/en-vn/credit-cards/products/liveplus/", "read_at": "2026-10-11", "check_terms": [ "1%" ] },
    { "id": "hsbc-liveplus-base", "card": "hsbc-live-plus", "rate": 0.003, "match": { "any": true }, "notes": [ "Other spend, no cap." ], "source_url": "https://www.hsbc.com.vn/en-vn/credit-cards/products/liveplus/", "read_at": "2026-10-11", "check_terms": [ "0.3%" ] },
    { "id": "cake-fixed", "card": "cake-freedom", "rate": 0.2, "match": { "mcc": [ "5262", "4722", "5611" ] }, "spend": { "min": 5000000, "per": "statement" }, "per_txn": { "caps": [ { "from": 200000, "cap": 50000 }, { "from": 0, "cap": 10000 } ] }, "caps": [ { "amount": 200000, "per": "statement" }, { "amount": 1000000, "per": "statement", "scope": "card" } ], "notes": [ "Fixed: e-commerce 5262, travel agencies 4722, fashion 5611.", "Needs 5,000,000 VND spend per statement.", "Per transaction at most 50,000 VND (10,000 VND under 200,000 VND)." ], "source_url": "https://static.cake.vn/homepage/dkdk_freedom_597307c4f8/dkdk_freedom_597307c4f8.pdf", "read_at": "2026-10-11", "check_terms": [ "20%" ] },
    { "id": "cake-pick2", "card": "cake-freedom", "rate": 0.2, "options": { "group": "cake-freedom", "pick": 2, "choices": { "supermarket": { "mcc": [ "5411" ] }, "dining": { "mcc": [ "5812", "5814" ] }, "transport": { "mcc": [ "4121" ] }, "convenience": { "mcc": [ "5499" ] }, "insurance": { "mcc": [ "6300" ] }, "hotel": { "mcc": [ "7011" ] }, "services": { "mcc": [ "8999" ] }, "airline": { "mcc": [ "4511" ] }, "cinema": { "mcc": [ "7832" ] } } }, "spend": { "min": 5000000, "per": "statement" }, "per_txn": { "caps": [ { "from": 200000, "cap": 50000 }, { "from": 0, "cap": 10000 } ] }, "caps": [ { "amount": 200000, "per": "statement" }, { "amount": 1000000, "per": "statement", "scope": "card" } ], "notes": [ "Supermarket counts only the first transaction each day.", "Needs 5,000,000 VND spend per statement." ], "source_url": "https://static.cake.vn/homepage/dkdk_freedom_597307c4f8/dkdk_freedom_597307c4f8.pdf", "read_at": "2026-10-11", "check_terms": [ "20%" ] },
    { "id": "msb-mdigi-pick1", "card": "msb-mdigi", "rate": 0.2, "options": { "group": "msb-mdigi", "pick": 1, "choices": { "dining": { "mcc": [ "5812", "5813", "5814" ] }, "travel": { "mcc": [ "4722", "7011" ] }, "digital": { "mcc": [ "5815", "5816", "5817", "5818", "4899", "7829", "7841" ] } } }, "caps": [ { "amount": 300000, "per": "statement" } ], "notes": [ "Paid as points; redeem from 300,000 points; points expire after 12 months.", "Installments do not count." ], "valid_from": "2026-04-01", "source_url": "https://www.msb.com.vn/msb-website/TnC-hoan-tien-the-MC-mDigi-202604-1.pdf", "read_at": "2026-10-11", "check_terms": [ "20%" ] },
    { "id": "tcb-everyday-intl-online-low", "card": "techcombank-everyday", "rate": 0.08, "kind": "points", "match": { "channel": "online", "abroad": true }, "spend": { "below": 15000000, "per": "month", "ladder": true }, "per_txn": { "min": 200000 }, "caps": [ { "amount": 500000, "per": "month", "scope": "card" } ], "notes": [ "Paid as points: 80 points per 1,000 VND at foreign online shops.", "Only online purchases of 200,000 VND or more earn points.", "The 500,000 point cap is for the whole card each month." ], "source_url": "https://techcombank.com/khach-hang-ca-nhan/chi-tieu/the/the-tin-dung/techcombank-everyday", "read_at": "2026-10-11", "check_terms": [ "80 điểm/1,000 VND" ] },
    { "id": "tcb-everyday-intl-online-mid", "card": "techcombank-everyday", "rate": 0.16, "kind": "points", "match": { "channel": "online", "abroad": true }, "spend": { "min": 15000000, "below": 30000000, "per": "month", "ladder": true }, "per_txn": { "min": 200000 }, "caps": [ { "amount": 500000, "per": "month", "scope": "card" } ], "notes": [ "Points double from 15,000,000 VND monthly spend; the extra half arrives early next month.", "Only online purchases of 200,000 VND or more earn points." ], "source_url": "https://techcombank.com/khach-hang-ca-nhan/chi-tieu/the/the-tin-dung/techcombank-everyday", "read_at": "2026-10-11", "check_terms": [ "16%" ] },
    { "id": "tcb-everyday-intl-online-top", "card": "techcombank-everyday", "rate": 0.16, "kind": "points", "match": { "channel": "online", "abroad": true }, "spend": { "min": 30000000, "per": "month", "ladder": true }, "per_txn": { "min": 200000 }, "caps": [ { "amount": 700000, "per": "month", "scope": "card" } ], "notes": [ "From 30,000,000 VND monthly spend the card cap rises to 700,000 points.", "Only online purchases of 200,000 VND or more earn points." ], "source_url": "https://techcombank.com/khach-hang-ca-nhan/chi-tieu/the/the-tin-dung/techcombank-everyday", "read_at": "2026-10-11", "check_terms": [ "700,000 điểm" ] },
    { "id": "tcb-everyday-online-low", "card": "techcombank-everyday", "rate": 0.05, "kind": "points", "match": { "channel": "online", "countries": [ "VN" ] }, "spend": { "below": 15000000, "per": "month", "ladder": true }, "per_txn": { "min": 200000 }, "caps": [ { "amount": 500000, "per": "month", "scope": "card" } ], "notes": [ "Paid as points: 50 points per 1,000 VND at Vietnamese online shops.", "Only online purchases of 200,000 VND or more earn points." ], "source_url": "https://techcombank.com/khach-hang-ca-nhan/chi-tieu/the/the-tin-dung/techcombank-everyday", "read_at": "2026-10-11", "check_terms": [ "50 điểm/1,000 VND" ] },
    { "id": "tcb-everyday-online-mid", "card": "techcombank-everyday", "rate": 0.1, "kind": "points", "match": { "channel": "online", "countries": [ "VN" ] }, "spend": { "min": 15000000, "below": 30000000, "per": "month", "ladder": true }, "per_txn": { "min": 200000 }, "caps": [ { "amount": 500000, "per": "month", "scope": "card" } ], "notes": [ "Points double from 15,000,000 VND monthly spend; the extra half arrives early next month.", "Only online purchases of 200,000 VND or more earn points." ], "source_url": "https://techcombank.com/khach-hang-ca-nhan/chi-tieu/the/the-tin-dung/techcombank-everyday", "read_at": "2026-10-11", "check_terms": [ "10%" ] },
    { "id": "tcb-everyday-online-top", "card": "techcombank-everyday", "rate": 0.1, "kind": "points", "match": { "channel": "online", "countries": [ "VN" ] }, "spend": { "min": 30000000, "per": "month", "ladder": true }, "per_txn": { "min": 200000 }, "caps": [ { "amount": 700000, "per": "month", "scope": "card" } ], "notes": [ "From 30,000,000 VND monthly spend the card cap rises to 700,000 points.", "Only online purchases of 200,000 VND or more earn points." ], "source_url": "https://techcombank.com/khach-hang-ca-nhan/chi-tieu/the/the-tin-dung/techcombank-everyday", "read_at": "2026-10-11", "check_terms": [ "700,000 điểm" ] },
    { "id": "uob-one-transport", "card": "uob-one", "rate": 0.1, "match": { "categories": [ "ride_hailing", "land_transport" ] }, "caps": [ { "amount": 600000, "per": "statement", "scope": "card" } ], "notes": [ "Grab and other land transport.", "Paid as reward points you redeem for a cash rebate from 1,000,000 points.", "The 600,000 cap is shared by transport, subscriptions, shopping and insurance." ], "source_url": "https://www.uob.com.vn/personal-en/cards/credit-card/cashback/one-card.page", "read_at": "2026-10-11", "check_terms": [ "10%" ] },
    { "id": "uob-one-subs", "card": "uob-one", "rate": 0.05, "match": { "categories": [ "subscription", "digital" ] }, "caps": [ { "amount": 600000, "per": "statement", "scope": "card" } ], "notes": [ "Recurring subscriptions such as music and streaming.", "Shared 600,000 cap." ], "source_url": "https://www.uob.com.vn/personal-en/cards/credit-card/cashback/one-card.page", "read_at": "2026-10-11", "check_terms": [ "5%" ] },
    { "id": "uob-one-insurance", "card": "uob-one", "rate": 0.03, "match": { "categories": [ "insurance" ] }, "caps": [ { "amount": 600000, "per": "statement", "scope": "card" } ], "notes": [ "Shared 600,000 cap." ], "source_url": "https://www.uob.com.vn/personal-en/cards/credit-card/cashback/one-card.page", "read_at": "2026-10-11", "check_terms": [ "3%" ] },
    { "id": "uob-one-shopping", "card": "uob-one", "rate": 0.02, "match": { "categories": [ "department_store", "fashion" ] }, "caps": [ { "amount": 600000, "per": "statement", "scope": "card" } ], "notes": [ "Department stores and fashion chains.", "Shared 600,000 cap." ], "source_url": "https://www.uob.com.vn/personal-en/cards/credit-card/cashback/one-card.page", "read_at": "2026-10-11", "check_terms": [ "2%" ] },
    { "id": "uob-one-base", "card": "uob-one", "rate": 0.003, "match": { "any": true }, "exclude": { "mcc": [ "5541", "5542", "4900" ] }, "notes": [ "Other spend, no cap; fuel and utility bills earn nothing." ], "source_url": "https://www.uob.com.vn/personal-en/cards/credit-card/cashback/one-card.page", "read_at": "2026-10-11", "check_terms": [ "0.3%" ] },
    { "id": "vcb-platinum-all", "card": "vcb-visa-platinum", "rate": 0.005, "match": { "any": true }, "caps": [ { "amount": 1500000, "per": "statement" } ], "notes": [ "Every purchase, up to 15,000,000 VND a year." ], "source_url": "https://www.vietcombank.com.vn/vi-VN/KHCN/SPDV/The/Credit_VCB-Visa-Platinum", "read_at": "2026-10-11", "check_terms": [ "0,5%" ] },
    { "id": "acb-platinum-grab-shopee", "card": "acb-visa-platinum", "rate": 0.006, "match": { "merchants": [ "grab", "grabfood", "shopee", "shopeefood" ] }, "notes": [ "Grab and Shopee; no cap shown." ], "source_url": "https://acb.com.vn/uu-dai-the/hoan-tien-hoac-tich-diem-acb-rewards-khong-gioi-han", "read_at": "2026-10-11", "check_terms": [ "0,6%" ] },
    { "id": "acb-platinum-base", "card": "acb-visa-platinum", "rate": 0.003, "match": { "any": true }, "notes": [ "Other spend; no cap shown." ], "source_url": "https://acb.com.vn/uu-dai-the/hoan-tien-hoac-tich-diem-acb-rewards-khong-gioi-han", "read_at": "2026-10-11", "check_terms": [ "0,3%" ] },
    { "id": "acb-signature-all", "card": [ "acb-visa-signature", "acb-privilege-signature" ], "rate": 0.005, "match": { "any": true }, "notes": [ "Every purchase; no cap shown." ], "source_url": "https://acb.com.vn/uu-dai-the/hoan-tien-hoac-tich-diem-acb-rewards-khong-gioi-han", "read_at": "2026-10-11", "check_terms": [ "0,5%" ] },
    { "id": "bidv-online-marketplace-high", "card": "bidv-cashback-online", "rate": 0.06, "match": { "merchants": [ "shopee", "tiktok-shop" ] }, "spend": { "min": 10000000, "per": "month", "ladder": true }, "caps": [ { "amount": 300000, "per": "month" }, { "amount": 600000, "per": "month", "scope": "card" } ], "notes": [ "Shopee and TikTok Shop online.", "At 10,000,000 VND monthly spend or more." ], "source_url": "https://bidv.com.vn/bidv/ca-nhan/san-pham-dich-vu/dich-vu-the/the-tin-dung-quoc-te/2/the-bidv-visa-cashback-online", "read_at": "2026-10-11", "check_terms": [ "6%" ] },
    { "id": "bidv-online-other-high", "card": "bidv-cashback-online", "rate": 0.03, "match": { "channel": "online" }, "spend": { "min": 10000000, "per": "month", "ladder": true }, "caps": [ { "amount": 600000, "per": "month", "scope": "card" } ], "notes": [ "Other online spend, at 10,000,000 VND monthly spend or more." ], "source_url": "https://bidv.com.vn/bidv/ca-nhan/san-pham-dich-vu/dich-vu-the/the-tin-dung-quoc-te/2/the-bidv-visa-cashback-online", "read_at": "2026-10-11", "check_terms": [ "3%" ] },
    { "id": "bidv-online-marketplace-low", "card": "bidv-cashback-online", "rate": 0.04, "match": { "merchants": [ "shopee", "tiktok-shop" ] }, "spend": { "below": 10000000, "per": "month", "ladder": true }, "caps": [ { "amount": 150000, "per": "month" }, { "amount": 300000, "per": "month", "scope": "card" } ], "notes": [ "Shopee and TikTok Shop online, under 10,000,000 VND monthly spend." ], "source_url": "https://bidv.com.vn/bidv/ca-nhan/san-pham-dich-vu/dich-vu-the/the-tin-dung-quoc-te/2/the-bidv-visa-cashback-online", "read_at": "2026-10-11", "check_terms": [ "4%" ] },
    { "id": "bidv-online-other-low", "card": "bidv-cashback-online", "rate": 0.02, "match": { "channel": "online" }, "spend": { "below": 10000000, "per": "month", "ladder": true }, "caps": [ { "amount": 300000, "per": "month", "scope": "card" } ], "notes": [ "Other online spend, under 10,000,000 VND monthly spend." ], "source_url": "https://bidv.com.vn/bidv/ca-nhan/san-pham-dich-vu/dich-vu-the/the-tin-dung-quoc-te/2/the-bidv-visa-cashback-online", "read_at": "2026-10-11", "check_terms": [ "2%" ] }
  ]
}