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KTC credit card review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
A fee free Thai rewards card with points and instalment plans on everyday spend.
Annual fee
THB 0↗
APR
20% to 25%↗
Currency conversion fee
2%↗
Rewards type
Points↗
Rewards rate
1 point per 25 baht spend (KTC FOREVER points, no expiry)↗
Credit needed
Fair↗
Perks
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↗
Legal entity
Krungthai Card Public Company Limited↗
Headquarters
Thailand↗
Founded
1996↗
Support channels
Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
ktc.co.th

Loans

Loan amount
from THB 15,000↗
Term
12 to 60 months↗
Funding time
Funds transferred to the account within 1 business day after approval↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
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↗

Facts checked September 26, 2026, 6 sources

Pros and cons

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
  • Phone and help centre support through phone and help centre

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
KTC credit card

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Scored 9.0 / 10 by SumCue.

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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

How KTC credit card compares

Where KTC credit card is available

Available
Thailand

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

What do I earn on everyday spending?+

Each purchase earns 1 point per 25 baht spend (KTC FOREVER points, no expiry), and the points carry no expiry, so balances can be redeemed at participating merchants whenever the cardholder chooses. The card pays in points rather than cash back.

Can I spread the cost of a large purchase?+

The perks on 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 include interest free instalment plans across a wide merchant network, so a large purchase can be spread over months. A monthly instalment conversion option is also available through the mobile app or by phone.

Who can apply for the card and the loan?+

Applicants must hold Thai nationality, meet a minimum age, show a minimum monthly income and have a waiting period in the current job. Foreigners residing in Thailand cannot apply. The credit file needed is fair, and lending comes straight from the provider.

What support is available?+

Support runs on phone and help centre, so card and loan questions are handled by phone and through the help centre. A personal assistant service is also 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, reachable by phone around the clock for anyone already holding the card.

Can I get cash on the card?+

Cash advances go up to the full credit limit, and they are 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 alongside the instalment options. The card is a credit card, so balances are repaid over time rather than settled in full each month.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

KTC credit card

KTC credit card

A fee free Thai rewards card with points and instalment plans on everyday spend.

9.0/10Visit