Updated September 29, 2026 · SumCue Editorial Team
DKB vs KTC credit card
DKB
Higher score in this comparison
KTC credit card
Where DKB and KTC credit card differ
| Compare | DKBReviewVisitVisit | KTC credit cardReviewVisitVisit |
|---|---|---|
| Annual fee | €29.88 | THB 0 |
| APR | 6.99%Lower | 20% to 25% |
| Currency conversion fee | 0% to 2.2%Lower | 2% |
| Rewards type | None | Points |
| Rewards rate | Not confirmed | 1 point per 25 baht spend (KTC FOREVER points, no expiry) |
| Credit needed | Not confirmed | Fair |
| 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 |
| Regulators | European Central Bank, Federal Financial Supervisory Authority (BaFin) | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- DKB scores higher overall: 9.3 vs 9.0.
- APR is lower at DKB: 6.99% vs 20% to 25%.
- Currency conversion fee is lower at DKB: 0% to 2.2% vs 2%.
- Pricing model: only DKB offers No monthly fee.
- Pricing model: only KTC credit card offers No annual fee.
- Features: only DKB offers Travel, Virtual card.
- Features: only KTC credit card offers Rewards.
Our verdict on each
DKB
DKB suits everyday spenders seeking a Visa debit linked to a current account with monthly fees of €0 to €4.50 and currency conversion fees of 0% to 2.2%. Travel spending and online shopping stay simple with virtual card support plus helpful guides for account queries.
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 | DKB | KTC credit card |
|---|---|---|
| Cost | 9.3HigherMonthly fees run €0 to €4.50 with currency conversion fees of 0% to 2.2% | 9.0 |
| Offer | 8.9Visa debit of debit on Visa with platforms on Web Banking and DKB App | 9.2Higher |
| Trust | 9.4HigherSupervision under European Central Bank and Federal Financial Supervisory Authority (BaFin) with deposit protection of EU DGS up to EUR 100,000 | 8.9 |
Spending 1,000 abroad
DKB
0 to 22
0% to 2.2% of 1,000
KTC credit card
20
2% of 1,000
DKB comes out 20 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Which one suits you
Pick DKB if cost, trust, apr, and currency conversion fee matter most.
Pick KTC credit card if offer matter most.
Where each is licensed and available
| Country | DKB | KTC credit card |
|---|---|---|
| Germany | Not confirmed |
Additional countries for DKB: 1. Additional countries for KTC credit card: 1.
How they place
| Ranking | DKB | KTC credit card |
|---|---|---|
| Credit and debit cards | 4 of 1594 | 35 of 1594 |
| Credit cards | 1 of 421 | 13 of 421 |
Sources behind this comparison
DKB
- dkb.de: 9 facts, checked September 29, 2026
KTC credit card
- ktc.co.th: 13 facts, checked September 26, 2026
- cuelinks.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | DKB | KTC credit card |
|---|---|---|
| Pricing model | No monthly fee | No annual fee |
| Features | Travel, Virtual card | Rewards |
| Audience | Student, Kids | Not confirmed |
| Legal entity | Not confirmed | Krungthai Card Public Company Limited |
| Headquarters | Not confirmed | Thailand |
| Founded | Not confirmed | 1996 |
| Support channels | Not confirmed | Phone, Help centre |
Savings
| Fact | DKB | KTC credit card |
|---|---|---|
| Headline rate | 1% | Not confirmed |
| Rate type | Variable | Fixed |
| Term | 12 to 120 monthsHigher | 12 to 60 months |
| Minimum deposit | €0 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | anytime access, payouts only to reference account | Not confirmed |
| Monthly fee | €0 to €4.50 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Loans
| Fact | DKB | KTC credit card |
|---|---|---|
| Loan amount | Not confirmed | from THB 15,000 |
| Funding time | Not confirmed | Funds transferred to the account within 1 business day after approval |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | 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 | Not confirmed | Personal |
Where each stands against the rest
| Fact | DKB | KTC credit card | Median |
|---|---|---|---|
| APR | 6.99%below the median | 20% to 25%above the median | 11.635% |
| Currency conversion fee | 0% to 2.2%below the median | 2%above the median | 1 |
Median across 486 listed providers.
Pros and cons
DKB
Pros
- Monthly fees of €0 to €4.50 keep account keeping modest next to funded rivals such as XTB at PLN 0
- Currency conversion fees of 0% to 2.2% on Visa give clear terms for travel and cross border shopping
- Card type of debit suits direct balance spending with virtual card choice from travel and virtual card
Cons
- Support runs on help centre only, so you lack phone or live chat routes for urgent card queries
- Currency conversion fees run 0% to 2.2% on Visa, so foreign card spending can add cost
- Monthly fees run €0 to €4.50, which may suit funded accounts less well than XTB at PLN 0
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
DKB
Who it suits
- Household spenders who want Visa debit spending from balance with debit rather than Kraken style crypto linked use
- Travellers and online shoppers who value Visa acceptance and travel and virtual card next to eToro card options
Who should look elsewhere
- Readers wanting phone based card help may prefer Kraken, since DKB support runs on help centre only
- Readers wanting prepaid style separation may look past DKB, since its card type is debit on Visa
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
DKB
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 | DKB | KTC credit card |
|---|---|---|
| Germany | Yes | No |
| Thailand | No | Yes |
Questions about each
DKB
What monthly charges apply to the account behind the card?+
Monthly fees run €0 to €4.50 for the linked current account behind the debit card. You can keep account keeping costs modest while using the Visa for shops, cash points and online checkouts. Terms vary with account use, so review the fee table before applying.
How do foreign currency card payments work?+
Currency conversion fees run 0% to 2.2% when you pay in foreign currency with the Visa. You still get wide acceptance on Visa for holidays, business trips and cross border shopping. Check the applied rate at payment time to manage travel budgets.
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.