Updated September 29, 2026 · SumCue Editorial Team
KTC credit card vs Vexi
KTC credit card
Higher score in this comparison
Vexi
Where KTC credit card and Vexi differ
| Compare | KTC credit cardReviewVisitVisit | VexiReviewVisitVisit |
|---|---|---|
| Annual fee | THB 0 | MX$0 |
| APR | 20% to 25%Lower | 43.38% to 75.76% |
| Rewards type | Points | Cashback |
| Rewards rate | 1 point per 25 baht spend (KTC FOREVER points, no expiry) | up to 5% |
| 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 | Purchase protection, Travel assistance, Telemedicine |
| Currency conversion fee | 2% | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Regulators | Not confirmed | Comision Nacional Bancaria y de Valores (CNBV) |
Same on both: Card kind (Credit).
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Key differences
- APR is lower at KTC credit card: 20% to 25% vs 43.38% to 75.76%.
- 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 Vexi offers Purchase protection, Travel assistance, Telemedicine.
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.
Vexi
Vexi suits spenders in Mexico seeking cashback without a yearly charge, as annual fee of MXN 0 keeps fixed costs at free while rewards add value on spending. Borrowing costs apply through APR of 43.38% to 75.76%, so paying in full each cycle matters for households watching budgets closely.
Score breakdown
| Area | KTC credit card | Vexi |
|---|---|---|
| Cost | 9.0 | 9.2Higherannual fee of MXN 0 keeps fixed costs at free, though APR of 43.38% to 75.76% matters for revolvers |
| Offer | 9.2Higher | 9.1cashback of cashback with rewards of up to 5% plus cover via purchase protection, travel assistance and telemedicine |
| Trust | 8.9Higher | 8.8oversight from Comision Nacional Bancaria y de Valores (CNBV) supports confidence in card operations and handling |
Positions in our rankings
| Ranking | KTC credit card | Vexi |
|---|---|---|
| Credit and debit cards | 35 of 1594 | 17 of 1594 |
| Credit cards | 13 of 421 | 5 of 421 |
Also worth a look
DKB has apr at 6.99%, against 20% to 25% for KTC credit card and 43.38% to 75.76% for Vexi.
DKB reviewEvery fact side by side
| Fact | KTC credit card | Vexi |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | Krungthai Card Public Company Limited | Not confirmed |
| Headquarters | Thailand | Not confirmed |
| Founded | 1996 | Not confirmed |
| Support channels | Phone, Help centre | Not confirmed |
Loans
| Fact | KTC credit card | Vexi |
|---|---|---|
| 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 |
Where each stands against the rest
| Fact | KTC credit card | Vexi | Median |
|---|---|---|---|
| APR | 20% to 25%above the median | 43.38% to 75.76%highest quarter | 11.635 |
| Currency conversion fee | 2%above the median | Not confirmed | 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
Vexi
Pros
- Free ownership with annual fee of MXN 0, lighter than DKB with fees of €29.88
- Cashback rewards of cashback with rewards of up to 5% for eligible spending
- Added lifestyle cover through purchase protection, travel assistance and telemedicine for shopping and travel peace of mind
Cons
- Borrowing carries APR of 43.38% to 75.76%, which proves costly where balances revolve across billing cycles
- Support runs on email, chat and help centre only, which limits choice at moments when voice help feels urgent
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
Vexi
Who it suits
- Shoppers who value cashback over Kraken while weighing fees of €0 in comparisons
- Budget holders who favour free ownership over DKB with fees of €29.88
- Digital users at ease with email, chat and help centre rather than eToro style platform help
Who should look elsewhere
- Readers who often revolve balances and dislike APR of 43.38% to 75.76% may compare DKB before committing
- Readers who want voice support beyond email, chat and help centre may prefer Kraken as a comparison point
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 | Vexi |
|---|---|---|
| Mexico | No | Yes |
| Thailand | Yes | No |
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.
Vexi
What does Vexi charge each year for card ownership?+
Vexi charges annual fee of MXN 0, which keeps ownership costs at free while you use the card for retail spending and routine bills. That structure suits households that clear balances and wish to avoid a fixed yearly charge eating into cashback gains over time.
How much interest applies when carrying a Vexi balance?+
Vexi applies APR of 43.38% to 75.76% when you carry a balance beyond the payment due date. The range reflects risk based pricing, so your assigned rate depends on assessment. Paying in full helps avoid interest and preserves the value earned through rewards.