Updated September 28, 2026 · SumCue Editorial Team
ICICI Bank vs KTC credit card
ICICI Bank
KTC credit card
Higher score in this comparison
Where ICICI Bank and KTC credit card differ
| Compare | ICICI BankReviewVisitVisit | KTC credit cardReviewVisitVisit |
|---|---|---|
| Annual fee | ₹3,500 | THB 0 |
| APR | 9.99% to 16.5%Lower | 20% to 25% |
| Currency conversion fee | 3.5% | 2%Lower |
| 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) |
| Credit needed | Good | Fair |
| 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 |
Same on both: Rewards type (Points), Card kind (Credit).
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Key differences
- KTC credit card scores higher overall: 9.0 vs 8.9.
- Founded is lower at ICICI Bank: 1994 vs 1996.
- APR is lower at ICICI Bank: 9.99% to 16.5% vs 20% to 25%.
- Currency conversion fee is lower at KTC credit card: 2% vs 3.5%.
- Perks: only ICICI Bank offers 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.
- Perks: only KTC credit card offers 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.
- Support channels: only ICICI Bank offers Chat.
- Pricing model: only ICICI Bank offers Fixed rate.
- Pricing model: only KTC credit card offers No annual fee.
Our verdict on each
ICICI Bank
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
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 | KTC credit card |
|---|---|---|
| Cost | 8.6Card costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. | 9.0Higher |
| Offer | 9.4Higher | 9.2 |
| Trust | 9.0Higher | 8.9 |
Which one suits you
Pick ICICI Bank if apr matter most.
Pick KTC credit card if cost and currency conversion fee matter most.
Spending 1,000 abroad
ICICI Bank
35
3.5% of 1,000
KTC credit card
20
2% of 1,000
KTC credit card comes out 15 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Ranges side by side
| Fact | ICICI Bank | KTC credit card |
|---|---|---|
| APR | 9.99% to 16.5% | 20% to 25% |
How they place
| Ranking | ICICI Bank | KTC credit card |
|---|---|---|
| Loans | 124 of 2043 | 110 of 2043 |
| Personal loans | 104 of 1317 | 94 of 1317 |
| Credit and debit cards | 43 of 1594 | 35 of 1594 |
| Credit cards | 15 of 421 | 13 of 421 |
Every fact side by side
| Fact | ICICI Bank | KTC credit card |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | ICICI Bank Ltd. | Krungthai Card Public Company Limited |
| Headquarters | India | Thailand |
| Founded | 1994Lower | 1996 |
| Support channels | Phone, Help centre, ChatCovers more | Phone, Help centre |
Loans
| Fact | ICICI Bank | KTC credit card |
|---|---|---|
| Loan amount | ₹50,000 to ₹5,000,000 | from THB 15,000 |
| Term | 12 to 72 monthsHigher | 12 to 60 months |
| Arrangement fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | Instant disbursement | Funds transferred to the account within 1 business day after approval |
| Rate type | Variable | Fixed |
| Lender type | Direct lender | Direct lender |
| 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 |
| Origination fee (%) | 2% | Not confirmed |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Use cases | Home improvement | Not confirmed |
Savings
| Fact | ICICI Bank | KTC credit card |
|---|---|---|
| Headline rate | 2.5% | Not confirmed |
| Minimum deposit | ₹2,500 to ₹15,000 | Not confirmed |
| Access terms | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | ICICI Bank | KTC credit card |
|---|---|---|
| Initial rate | 7.55% | Not confirmed |
| Maximum loan to value | 80% to 90% | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | ICICI Bank | KTC credit card | Median |
|---|---|---|---|
| APR | 9.99% to 16.5%below the median | 20% to 25%above the median | 11.635 |
| Currency conversion fee | 3.5%highest quarter | 2%above the median | 1% |
Median across 486 listed providers.
Pros and cons
ICICI Bank
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
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
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
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
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
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 | KTC credit card |
|---|---|---|
| India | Yes | No |
| Thailand | No | Yes |
Questions about each
ICICI Bank
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
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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