Updated September 28, 2026 · SumCue Editorial Team
KTC credit card vs Qonto
KTC credit card
Higher score in this comparison
Qonto
KTC credit card vs Qonto: the differences
| Compare | KTC credit cardReviewVisitVisit | QontoReviewVisitVisit |
|---|---|---|
| Annual fee | THB 0 | €0 |
| APR | 20% to 25% | 17.5%Lower |
| Rewards type | Points | None |
| 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 insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere |
| Rewards rate | 1 point per 25 baht spend (KTC FOREVER points, no expiry) | Not confirmed |
| Credit needed | Fair | Not confirmed |
Same on both: Currency conversion fee (2%), Card kind (Credit).
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Key differences
- KTC credit card scores higher overall: 9.0 vs 8.6.
- Founded is lower at KTC credit card: 1996 vs 2017.
- Qonto is available in 7 more countries.
- APR is lower at Qonto: 17.5% vs 20% to 25%.
- 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 Qonto offers Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Support channels: only Qonto offers Chat, Email.
- Features: only KTC credit card offers Rewards.
- Features: only Qonto offers Multi currency, Virtual card, Travel.
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.
Qonto
Qonto suits businesses that want a low-cost Mastercard debit card with included card insurance and account remuneration. It is less suitable for frequent cash withdrawals or overseas spending, because free ATM withdrawals are €0 and currency conversion costs 2%.
Score breakdown
| Area | KTC credit card | Qonto |
|---|---|---|
| Cost | 9.0Higher | 8.4Qonto charges a monthly fee of €9, currency conversion costs 2%, and the card has an annual fee of €0. |
| Offer | 9.2 | 9.4Higher |
| Trust | 8.9Higher | 8.4 |
Licences and countries
| Country | KTC credit card | Qonto |
|---|---|---|
| France | Not confirmed | FR_ACPR PSD_PI FR_ACPR!68677 |
Additional countries for KTC credit card: 1. Additional countries for Qonto: 8.
Where they rank in our lists
| Ranking | KTC credit card | Qonto |
|---|---|---|
| Credit and debit cards | 35 of 1594 | 12 of 1594 |
| Credit cards | 13 of 421 | 3 of 421 |
A third option
DKB has apr at 6.99%, against 20% to 25% for KTC credit card and 17.5% for Qonto.
DKB reviewEvery fact side by side
| Fact | KTC credit card | Qonto |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Multi currency, Virtual card, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Krungthai Card Public Company Limited | QONTO |
| Headquarters | Thailand | France |
| Founded | 1996Lower | 2017 |
| Support channels | Phone, Help centre | Chat, Phone, Email, Help centreCovers more |
Loans
| Fact | KTC credit card | Qonto |
|---|---|---|
| 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 | Variable |
| 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 |
Savings
| Fact | KTC credit card | Qonto |
|---|---|---|
| Headline rate | Not confirmed | 1.5% |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | Instant access to the money, no notice period; remuneration activated in the app, calculated daily on the total balance and paid on the 2nd of each month; requires at least 5 eligible payment transactions of at least 1 EUR per month |
| Monthly fee | Not confirmed | €9 |
| Account kind | Not confirmed | Cash management |
Where each stands against the rest
| Fact | KTC credit card | Qonto | Median |
|---|---|---|---|
| APR | 20% to 25%above the median | 17.5%above the median | 11.635 |
| Currency conversion fee | 2%above the median | 2%above the median | 1% |
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
Qonto
Pros
- The Mastercard debit card has an annual fee of €0.
- Card insurance for travel, business purchases and fraud is included through Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Eligible Smart and Premium plans can receive account remuneration under the terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
Cons
- Qonto charges a monthly fee of €9, while bunq lists a monthly fee of €0.
- Free ATM withdrawals are €0, which may be costly for a business that regularly uses cash machines.
- The currency conversion fee of 2% is above the site median of 1%.
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
Qonto
Who it suits
- Businesses that regularly use a Mastercard debit card for travel or business purchases.
- Smart and Premium plan customers who meet the remuneration terms in Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
- Users who want chat, phone, email and help-centre support through chat, phone and email.
Who should look elsewhere
- Businesses focused on low cost that may prefer bunq, whose monthly fee is €0.
- Frequent overseas spenders who prefer Wise and want to compare its fee with Qonto's 2%.
- Cash-heavy businesses that want free ATM withdrawals, because Qonto offers €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
Qonto
Current offer
Free trial
1-month free trial on all Qonto plans: 1 month free
Shown on Basic, Smart, Premium, Essential, Business and Enterprise plan cards on the pricing page.
Source, checked September 26, 2026
First period offer
Remunerated account: 5% AER for 2 months, then 1.5% AER: 5% AER for 2 months, then 1.5% AER
Smart and Premium plans; requires at least 5 eligible transactions per month; remunerated balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium).
Source, checked September 26, 2026
Country by country
| Country | KTC credit card | Qonto |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
| Portugal | No | Yes |
| Spain | No | Yes |
8 of 9 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.
Qonto
What does Qonto charge each month?+
Qonto's account fee is €9. The Mastercard debit card itself has an annual fee of €0. The card also offers a deferred debit option on Plus and X Cards at no extra cost under Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost and Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans).
What does Qonto charge for currency conversion?+
Currency conversions cost 2%. This matters for business travel or purchases made outside the account's working currency. Qonto supports multi-currency features, but the conversion charge remains 2%.
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