Updated September 28, 2026 · SumCue Editorial Team
AXI Card Tarjeta y Credito vs KTC credit card
AXI Card Tarjeta y Credito
Higher score in this comparison
KTC credit card
What sets them apart
| Compare | AXI Card Tarjeta y CreditoReviewVisitVisit | KTC credit cardReviewVisitVisit |
|---|---|---|
| APR | 21.59% | 20% to 25%Lower |
| Loan amount | up to €1,500 | from THB 15,000 |
| Term | 1 month | 12 to 60 monthsHigher |
| Funding time | Immediate: credit line available on card activation | Funds transferred to the account within 1 business day after approval |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Thai nationality, age 20-60, minimum income 15,000 baht per month, at least 4 months in the current job; foreigners residing in Thailand cannot apply |
| Loan types | Credit line, PersonalCovers more | Personal |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Representative example | AXI Card: 500 EUR line drawn in full, 19.71% annual interest, payment of 508.10 EUR in the payment period, total cost of credit 8.10 EUR (TAE 21.59%) | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes), Credit needed (Fair).
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Key differences
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at KTC credit card: 20% to 25% vs 21.59%.
- Term is higher at KTC credit card: 12 to 60 months vs 1 month.
- Support channels: only AXI Card Tarjeta y Credito offers Email.
- Pricing model: only AXI Card Tarjeta y Credito offers Fixed rate.
- Pricing model: only KTC credit card offers No annual fee.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Features: only KTC credit card offers Rewards.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
Our verdict on each
AXI Card Tarjeta y Credito
AXI Card Tarjeta y Credito suits adults in Spain who want a small revolving credit line on a card with no annual or monthly fee. The catch is the cost of borrowing: 21.59% sits well above the 4.9 picture here, and a hard check decides who is accepted.
KTC credit card
KTC credit card suits Thai residents wanting a rewards card with no yearly charge and useful instalment plans. The cost score is 5.1, and the annual fee on the Visa Platinum card is THB 0. Eligibility is limited to Thai nationals with a stated income and job tenure.
Score breakdown
| Area | AXI Card Tarjeta y Credito | KTC credit card |
|---|---|---|
| Cost | 8.9Annual fee €0, monthly fee €0 and free early repayment, offset by 21.59% interest and 0 EUR (card issuance and annual maintenance). | 9.0Higher |
| Offer | 8.7Credit line to up to €1,500 with Immediate: credit line available on card activation funding. | 9.2Higher |
| Trust | 9.4Higher | 8.9 |
Licences and countries
| Country | AXI Card Tarjeta y Credito | KTC credit card |
|---|---|---|
| Bulgaria | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for KTC credit card: 1.
Positions in our rankings
| Ranking | AXI Card Tarjeta y Credito | KTC credit card |
|---|---|---|
| Loans | 42 of 2043 | 110 of 2043 |
| Personal loans | 36 of 1317 | 94 of 1317 |
| Credit and debit cards | 13 of 1594 | 35 of 1594 |
| Credit cards | 4 of 421 | 13 of 421 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 1 month for AXI Card Tarjeta y Credito and 12 to 60 months for KTC credit card.
Sofkredit reviewEvery fact side by side
| Fact | AXI Card Tarjeta y Credito | KTC credit card |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Credit line | Rewards |
| Legal entity | Access Finance SL | Krungthai Card Public Company Limited |
| Headquarters | Spain | Thailand |
| Founded | Not confirmed | 1996 |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Credit cards
| Fact | AXI Card Tarjeta y Credito | KTC credit card |
|---|---|---|
| Annual fee | €0 | THB 0 |
| Currency conversion fee | 0%Lower | 2% |
| Rewards type | None | Points |
| Rewards rate | Not confirmed | 1 point per 25 baht spend (KTC FOREVER points, no expiry) |
| Perks | Not confirmed | 0% instalment plans up to 10 months at over 10,000 merchants, 0.74% per month instalment conversion for up to 10 months via KTC Mobile or KTC PHONE, Travel insurance up to 8 million baht, Accident insurance up to 300,000 baht for 90 days for new primary cardholders, Cash advance up to 100% of credit limit, KTC Personal Assistant service 24 hours a day on 02 123 5000, KTC FOREVER points and points redemption at participating merchants, Visa contactless and payments via Google Pay, Garmin Pay, SWATCHPAY |
| Card kind | Credit | Credit |
Savings
| Fact | AXI Card Tarjeta y Credito | KTC credit card |
|---|---|---|
| Headline rate | 21.59% | Not confirmed |
| Access terms | Revolving credit line up to 1500 EUR, repaid in full between day 1 and day 5 of the following month, or a minimum monthly payment of 19% of the total payable | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | KTC credit card | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 20% to 25%above the median | 9.99% |
| Term | 1 monthlowest quarter | 12 to 60 monthsat the median | 60 months |
Median across 1096 listed providers.
Pros and cons
AXI Card Tarjeta y Credito
Pros
- No annual fee of €0 and no monthly fee of €0 on the credit card, so an unused line costs nothing to hold
- Funding is Immediate: credit line available on card activation, with the credit line live as soon as the card is activated
- Early repayment is free, so paying the balance in full shortens the interest charged rather than adding a charge
Cons
- Interest is the real cost: 21.59% is above the 15.5% typical of comparable borrowing, and the fixed rate does not fall with a longer relationship
- The line is small at up to €1,500, so anything larger needs another lender, unlike Creduma ES which starts at from €12,000
- Applications run a hard credit check, and fair credit history is the stated bar, with no softer prequalification step
KTC credit card
Pros
- Annual fee of THB 0 on the KTC Visa Platinum card
- Points on everyday spend at 1 point per 25 baht spend (KTC FOREVER points, no expiry)
- Instalment plans, cash advances and travel cover listed in 0% instalment plans up to 10 months at over 10,000 merchants, 0.74% per month instalment conversion for up to 10 months via KTC Mobile or KTC PHONE and travel insurance up to 8 million baht
Cons
- Currency conversion fee of 2% against a site median of 1%
- Personal loan rate of 20% to 25% on a fixed basis
- Eligibility rules bar foreigners residing in Thailand and ask for a waiting period in the current job
Who each suits
AXI Card Tarjeta y Credito
Who it suits
- Adults resident in Spain with a DNI, or a NIE plus a passport if they are not a Spanish citizen
- People who already clear their card balance in full each month and treat the line as a short bridge
- Borrowers comfortable with a revolving balance rather than a fixed personal loan repayment
Who should look elsewhere
- Anyone needing a large one-off sum, where Creduma ES and its from €12,000 floor is a better fit
- Borrowers wanting cheaper credit, since Sofkredit charges 10.74% to 18.06%
- Applicants with overdue debts or an ASNEF registration, who are turned away on eligibility
KTC credit card
Who it suits
- Thai nationals with a steady monthly income who want a fee free rewards card
- Spenders who will use the instalment options listed in 0% instalment plans up to 10 months at over 10,000 merchants, 0.74% per month instalment conversion for up to 10 months via KTC Mobile or KTC PHONE and travel insurance up to 8 million baht
- Applicants happy to earn points rather than cash back
Who should look elsewhere
- Frequent overseas spenders, who pay 2% on conversion where the Wise card carries a fee of £0
- Card holders shopping purely on fees, since bunq also charges €0
- Applicants building a credit record, since the Varo Believe Secured Credit Card is secured and charges $0
Current offers
KTC credit card
Current offer
First period offer
KTC X Visa Signature - first year annual fee waiver: 5,000 baht annual fee waived for the first year
Monthly income from 50,000 baht; valid 1 Jan 2026 - 31 Dec 2026
Source, checked September 26, 2026
First period offer
KTC X World Rewards Mastercard - first year annual fee waiver: 5,000 baht annual fee waived for the first year
Monthly income from 50,000 baht; valid 1 Jan 2026 - 31 Dec 2026
Source, checked September 26, 2026
Discount code
PTT Station fuel cashback with KTC credit card: 2 baht cashback per litre
Valid 1 Jul 2026 - 31 Oct 2026
Source, checked September 26, 2026
Bonus
Customer Choice promotion on KTC credit cards: choose cashback up to 2% or points up to 25%
Valid 1 Jul 2026 - 31 Dec 2026
Source, checked September 26, 2026
Country by country
| Country | AXI Card Tarjeta y Credito | KTC credit card |
|---|---|---|
| Bulgaria | Yes | No |
| Spain | Yes | No |
| Thailand | No | Yes |
Questions about each
AXI Card Tarjeta y Credito
What does AXI Card charge to borrow?+
The rate is the main cost. 21.59% is the APR and the rate type is fixed. The representative example sets out the annual interest and the total cost of credit on a fully drawn line, settled across one payment period. Clearing the line in full at the start of the following month keeps that cost down.
Are there any fees on the card itself?+
No annual or monthly charge is listed. The annual fee is €0, the monthly fee is €0 and the origination fee is 0 EUR (card issuance and annual maintenance), which covers card issuance and annual maintenance. Currency conversion on the card is 0%, so spending outside euro adds nothing to the bill.
KTC credit card
Does the KTC credit card charge an annual fee?+
The KTC Visa Platinum card carries an annual fee of THB 0 and is listed as a no annual fee card, so there is no yearly charge to clear. The card kind is credit rather than a charge card, and the rewards type is points.
What does borrowing cost?+
The KTC Cash personal loan is offered directly by the provider, on a fixed rate of 20% to 25% over terms of 12 to 60. Loan amounts start at from THB 15,000, early repayment is free, and funds reach the account the day after approval.
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