Updated September 28, 2026 · SumCue Editorial Team
ICICI Bank Credit Cards vs KTC credit card
ICICI Bank Credit Cards
Higher score in this comparison
KTC credit card
What sets them apart
| Compare | ICICI Bank Credit CardsReviewVisitVisit | KTC credit cardReviewVisitVisit |
|---|---|---|
| APR | 9.99% to 16.5%Lower | 20% to 25% |
| Loan amount | ₹50,000 to ₹5,000,000 | from THB 15,000 |
| Term | 12 to 72 monthsHigher | 12 to 60 months |
| Funding time | Instant disbursement | Funds transferred to the account within 1 business day after approval |
| Free early repayment | No | YesHas it |
| Eligibility | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees | 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 | Personal, Debt consolidationCovers more | Personal |
| Credit needed | Good | Fair |
| Arrangement fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Origination fee (%) | 2% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- ICICI Bank Credit Cards scores higher overall: 9.1 vs 9.0.
- Founded is lower at ICICI Bank Credit Cards: 1994 vs 1996.
- APR is lower at ICICI Bank Credit Cards: 9.99% to 16.5% vs 20% to 25%.
- Free early repayment: only KTC credit card.
- Term is higher at ICICI Bank Credit Cards: 12 to 72 months vs 12 to 60 months.
- Support channels: only ICICI Bank Credit Cards offers Email, Chat.
- Pricing model: only ICICI Bank Credit Cards offers Fixed rate.
- Pricing model: only KTC credit card offers No annual fee.
- Features: only ICICI Bank Credit Cards offers Same day funding.
- Features: only KTC credit card offers Rewards.
Our verdict on each
ICICI Bank Credit Cards
ICICI Bank offers a personal loan of INR 50,000 to INR 5,000,000 alongside a points credit card with lounge and fuel perks, suiting Indian salaried borrowers who want one bank for loans and spending. Costs weigh it down, since the loan fee and card charges stack on the interest.
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 | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| Cost | 8.6Loan interest of 9.99% to 16.5%, an arrangement fee of 2% plus taxes, and a card annual fee of INR 3,500. | 9.0Higher |
| Offer | 9.4Higher | 9.2 |
| Trust | 9.4Higher | 8.9 |
Pick ICICI Bank Credit Cards if, pick KTC credit card if
Pick ICICI Bank Credit Cards if trust, apr, term, and loan types matter most.
Pick KTC credit card if cost and free early repayment matter most.
How they place
| Ranking | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| Loans | 98 of 2043 | 110 of 2043 |
| Personal loans | 83 of 1317 | 94 of 1317 |
| Credit and debit cards | 27 of 1594 | 35 of 1594 |
| Credit cards | 10 of 421 | 13 of 421 |
Every fact side by side
| Fact | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Same day funding | Rewards |
| Legal entity | ICICI Bank Limited | Krungthai Card Public Company Limited |
| Headquarters | India | Thailand |
| Founded | 1994Lower | 1996 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Help centre |
Credit cards
| Fact | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| Annual fee | ₹3,500 | THB 0 |
| Currency conversion fee | 3.5% | 2%Lower |
| Rewards type | Points | Points |
| Rewards rate | 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend | 1 point per 25 baht spend (KTC FOREVER points, no expiry) |
| Perks | Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket | 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 |
Where each stands against the rest
| Fact | ICICI Bank Credit Cards | KTC credit card | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%at the median | 20% to 25%above the median | 9.99 |
| Term | 12 to 72 monthsabove the median | 12 to 60 monthsat the median | 60 |
| Origination fee (%) | 2%above the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
ICICI Bank Credit Cards
Pros
- Personal loans from INR 50,000 to INR 5,000,000 over 12 to 72, priced on a fixed-rate basis.
- Money moves fast: same day funding and Instant disbursement for approved loans.
- A direct lender offering personal and debt consolidation loans, so the bank sets the terms itself.
Cons
- Free early repayment is listed as no, so clearing the balance before the term ends carries a cost.
- Card running costs add up: INR 3,500 a year plus 3.5% on currency conversion.
- The loan applies a hard credit check and asks for good credit.
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
ICICI Bank Credit Cards
Who it suits
- Salaried Indian citizens who meet the bank's minimum age and monthly income test.
- Borrowers consolidating debt or funding home improvement on a fixed-rate personal loan.
- Card holders who travel and care about lounge access, concierge help and a fuel surcharge waiver.
Who should look elsewhere
- Borrowers after euro lending: Creduma ES works from from €12,000.
- Rate shoppers comparing lenders in other markets: Sofkredit lists 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, both in different currencies.
- Anyone wanting a card with no annual charge, since this card's fee is INR 3,500.
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
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer
Sapphiro Credit Card only; includes international and domestic airport lounge access
Source, checked September 26, 2026
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 | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| India | Yes | No |
| Thailand | No | Yes |
Questions about each
ICICI Bank Credit Cards
What does a personal loan from ICICI Bank cost?+
Interest runs at 9.99% to 16.5% on a fixed-rate basis, and the arrangement fee is 2% of the loan amount plus taxes. Free early repayment is listed as no, so closing the balance before the end of 12 to 72 carries a cost.
How much can I borrow, and for how long?+
Loans run from INR 50,000 to INR 5,000,000 over 12 to 72. The site median amount for this kind of lending is €526.18 and the median term is 36, so both the ceiling and the longest term sit well above the middle of the market.
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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