Updated September 28, 2026 · SumCue Editorial Team
KTC credit card vs Nexo
KTC credit card
Higher score in this comparison
Nexo
What sets them apart
| Compare | KTC credit cardReviewVisitVisit | NexoReviewVisitVisit |
|---|---|---|
| Annual fee | THB 0 | €0 |
| APR | 20% to 25% | from 1.9%Lower |
| Currency conversion fee | 2% | 0.2% to 2.5%Lower |
| Rewards type | Points | Cashback |
| Rewards rate | 1 point per 25 baht spend (KTC FOREVER points, no expiry) | Up to 2% crypto cashback in NEXO Tokens, or 0.5% in BTC at Platinum tier, on purchases in Credit Mode |
| 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 | Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year), Accepted at over 100 million merchants globally, Virtual card activated instantly with 50 USD balance; free shipping for physical card above 5,000 USD balance at Gold tier or higher, No monthly, annual or inactivity card fees |
| Credit needed | Fair | Not confirmed |
| Cashback rate | Not confirmed | 0.5% to 2% |
Same on both: Card kind (Credit).
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Key differences
- KTC credit card scores higher overall: 9.0 vs 8.9.
- Founded is lower at KTC credit card: 1996 vs 2018.
- Nexo is available in 35 more countries.
- APR is lower at Nexo: from 1.9% vs 20% to 25%.
- Currency conversion fee is lower at Nexo: 0.2% to 2.5% vs 2%.
- 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.
- Perks: only Nexo offers Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year).
- Support channels: only KTC credit card offers Phone.
- Support channels: only Nexo offers Chat, Email.
- Features: only KTC credit card offers Rewards.
Our verdict on each
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.
Nexo
Nexo suits businesses and crypto users who want a multi-currency card, with monthly and annual card fees of €0 and €0. The trade-off is tier-based cashback, foreign exchange costs, and custodial holding of supported crypto.
Score breakdown
| Area | KTC credit card | Nexo |
|---|---|---|
| Cost | 9.0 | 9.2HigherMonthly and annual card fees are €0 and €0, while foreign exchange costs are 0.2% to 2.5%. |
| Offer | 9.2 | 9.2The card supports crypto cashback, multi-currency use, virtual cards, travel, Apple Pay and Google Pay. |
| Trust | 8.9Higher | 8.3 |
Where they rank in our lists
| Ranking | KTC credit card | Nexo |
|---|---|---|
| Credit and debit cards | 35 of 1594 | 10 of 1594 |
| Credit cards | 13 of 421 | 2 of 421 |
Choosing between them
Pick KTC credit card if trust matter most.
Pick Nexo if apr and currency conversion fee matter most.
If neither fits
Finmercado ES has apr at 0% to 36%, against 20% to 25% for KTC credit card and from 1.9% for Nexo.
Finmercado ES reviewWhere these facts come from
KTC credit card
- ktc.co.th: 13 facts, checked September 26, 2026
- cuelinks.com: 1 fact, checked September 26, 2026
Nexo
- nexo.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | KTC credit card | Nexo |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Multi currency, Crypto, Virtual card, Custodial, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Krungthai Card Public Company Limited | DiPocket UAB |
| Headquarters | Thailand | Not confirmed |
| Founded | 1996Lower | 2018 |
| Support channels | Phone, Help centre | Chat, Email, Help centre |
Loans
| Fact | KTC credit card | Nexo |
|---|---|---|
| Loan amount | from THB 15,000 | Not confirmed |
| Term | 12 to 60 months | Not confirmed |
| Funding time | Funds transferred to the account within 1 business day after approval | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| 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 | Not confirmed |
| Loan types | Personal | Not confirmed |
Crypto wallets
| Fact | KTC credit card | Nexo |
|---|---|---|
| Wallet type | Not confirmed | Mobile |
| Custody | Not confirmed | Custodial |
| Coins supported | Not confirmed | 100 |
Where each stands against the rest
| Fact | KTC credit card | Nexo | Median |
|---|---|---|---|
| APR | 20% to 25%above the median | from 1.9%lowest quarter | 11.635 |
| Currency conversion fee | 2%above the median | 0.2% to 2.5%below the median | 1% |
| Cashback rate | Not confirmed | 0.5% to 2%above the median | 1.5 |
Median across 486 listed providers.
Pros and cons
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
Nexo
Pros
- No monthly or annual card fees: €0 and €0.
- Crypto cashback is available in NEXO Tokens or BTC at Platinum tier in Credit Mode.
- Multi-currency use, virtual cards, travel, Apple Pay and Google Pay are supported.
Cons
- Foreign exchange costs are 0.2% to 2.5%, which may add to overseas spending.
- Supported crypto is held in custodial custody under custodial.
- Cashback and ATM terms depend on card tiers, so lower tiers receive less favourable benefits.
Who each suits
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
Nexo
Who it suits
- Businesses seeking a multi-currency card with no monthly or annual card fees.
- Crypto users comfortable with crypto cashback and custodial custody.
- Travellers who want Mastercard, virtual-card, Apple Pay and Google Pay support.
Who should look elsewhere
- bunq may suit readers whose stated foreign exchange fee range is 0.5% to 3%.
- Varo Believe Secured Credit Card may suit readers focused on a card with a stated monthly fee of $0.
- Wise may suit readers looking for a different everyday money platform, with a stated monthly fee of £0.
Current offers
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 | KTC credit card | Nexo |
|---|---|---|
| Argentina | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
8 of 37 countries where either is available.
Questions about each
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.
Nexo
What are the Nexo card fees?+
Nexo lists a monthly card fee of €0 and an annual card fee of €0. Its published perks also state that there are no monthly, annual or inactivity card fees.
What is the currency conversion fee?+
Foreign exchange fees are 0.2% to 2.5%. The exact amount can therefore vary, so overseas purchases and ATM withdrawals may cost more than transactions made in the card's base currency.
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