Krungsri Signature review

The annual fee is THB 4,280, which is well above the median of €0 for credit cards in this ranking. Points and travel perks are what that fee pays for, so it suits people who use the card heavily.

The APR is 16%, close to the median of 16% for credit cards in this ranking. Purchases and services carry an interest-free period, so the rate matters most for balances carried from one statement to the next.

The currency conversion fee is 2.5%. Across credit cards in this ranking the median conversion fee is 2%, and the lowest quarter of cards charge 0%, so foreign spending is costly here.

Rewards are points. You earn more Krungsri Points at participating department stores and on airline and hotel spend, points convert to miles, and points also turn into discount vouchers redeemable at many outlets.

The card needs excellent credit, and only 5.6% of the credit cards in this ranking ask for that level. Fair credit accounts for 15.5%, so applicants in that group are unlikely to qualify.

The perks list in Dragonpass Lounge access, 1 mile per 2 Krungsri Points and Premium Dining privileges carries travel accident insurance and lost card protection alongside the other benefits. The card is issued by Krungsri Card Co., Ltd., and the Bank of Thailand is the regulator listed for Thailand.

Support runs on phone and help centre, so phone and a help centre cover questions about statements, rewards balances or a lost card. Cardholders also have a private assistant service listed among the benefits.

The perks list covers lounge access through Dragonpass, premium dining privileges, discounts at participating restaurants and hotels, and an afternoon tea set. Supplementary cards can be added to the same account for the holders who need them.