Updated September 29, 2026 · SumCue Editorial Team
KTC credit card vs Wirex
KTC credit card
Wirex
Higher score in this comparison
KTC credit card vs Wirex: the differences
| Compare | KTC credit cardReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Annual fee | THB 0 | $0 |
| Currency conversion fee | 2% | 0%Lower |
| Rewards type | Points | Cashback |
| Rewards rate | 1 point per 25 baht spend (KTC FOREVER points, no expiry) | Up to 8% cashback |
| 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 | 50% off subscriptions |
| APR | 20% to 25% | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Card kind | Credit | Not confirmed |
| Regulators | Not confirmed | Superintendency of the Financial System |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Wirex scores higher overall: 9.1 vs 9.0.
- Founded is lower at KTC credit card: 1996 vs 2014.
- Currency conversion fee is lower at Wirex: 0% 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 Wirex offers 50% off subscriptions.
- Support channels: only KTC credit card offers Phone.
- Support channels: only Wirex offers Community.
- Features: only KTC credit card offers Rewards.
- Features: only Wirex offers Crypto, Multi currency, 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.
Wirex
Wirex suits travellers and crypto spenders who want a Visa debit card with cashback and multi-currency spend linked to a mobile wallet. Monthly fee sits at $0 with currency conversion at 0%, while cover comes through Superintendency of the Financial System oversight in daily use.
Score breakdown
| Area | KTC credit card | Wirex |
|---|---|---|
| Cost | 9.0 | 9.5HigherMonthly fee at $0 and conversion at 0% keep everyday spend light |
| Offer | 9.2 | 9.4HigherCashback at Up to 8% cashback with support across 150 adds breadth |
| Trust | 8.9Higher | 8.5Oversight by Superintendency of the Financial System frames custody and card use for holders |
Pick KTC credit card if, pick Wirex if
Pick KTC credit card if trust matter most.
Pick Wirex if cost and currency conversion fee matter most.
Spending 1,000 abroad
KTC credit card
20
2% of 1,000
Wirex
0
0% of 1,000
Wirex comes out 20 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 28, 2026.
What we checked
KTC credit card
- ktc.co.th: 13 facts, checked September 26, 2026
- cuelinks.com: 1 fact, checked September 26, 2026
Wirex
- wirexapp.com: 11 facts, checked September 28, 2026
- help.wirexapp.com: 1 fact, checked September 28, 2026
How they place
| Ranking | KTC credit card | Wirex |
|---|---|---|
| Credit and debit cards | 35 of 1594 | 30 of 1594 |
| Credit cards | 13 of 421 | 11 of 421 |
Every fact side by side
| Fact | KTC credit card | Wirex |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Crypto, Multi currency, Travel, Virtual card |
| Legal entity | Krungthai Card Public Company Limited | Wirex Europe sp z.o.o. |
| Headquarters | Thailand | United Kingdom |
| Founded | 1996Lower | 2014 |
| Support channels | Phone, Help centre | Community, Help centre |
Loans
| Fact | KTC credit card | Wirex |
|---|---|---|
| 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 | Wirex |
|---|---|---|
| Wallet type | Not confirmed | Mobile |
| Price | Not confirmed | $0 |
| Custody | Not confirmed | Self custody |
| Coins supported | Not confirmed | 40 |
Crypto exchanges
| Fact | KTC credit card | Wirex |
|---|---|---|
| Fiat deposit methods | Not confirmed | Card, Bank, SEPA, ACH |
| Withdrawal fee | Not confirmed | Variable network fees |
| Exchange type | Not confirmed | Cex |
Where each stands against the rest
| Fact | KTC credit card | Wirex | Median |
|---|---|---|---|
| APR | 20% to 25%above the median | Not confirmed | 11.635 |
| Currency conversion fee | 2%above the median | 0%below 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
Wirex
Pros
- Monthly upkeep stays at $0 with no annual charge at $0
- Foreign spend carries 0% conversion on the Visa network Visa
- Cashback rewards of Up to 8% cashback plus perks covering 50% off subscriptions
Cons
- Support runs on community and help centre only
- Crypto withdrawals face Variable network fees, which can vary with network conditions
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
Wirex
Who it suits
- Travellers spending across currencies who want Visa acceptance
- Crypto holders wanting mobile access with card spend
Who should look elsewhere
- Card shoppers wanting wider coin coverage may prefer Bitpanda for a different asset range
- Users wanting voice based service may prefer eToro for a different support setup
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 | Wirex |
|---|---|---|
| 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.
Wirex
What does the Wirex card cost each month?+
Monthly upkeep sits at $0 and annual upkeep sits at $0. You can hold and spend through the linked account without a standing charge for the card itself, which helps budgeting across travel and daily shopping.
Does Wirex charge for currency conversion?+
Currency conversion on card use sits at 0%. You can spend abroad and across currencies without an added exchange markup on the card, which keeps travel purchases and online orders in other currencies easier to plan.