Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Thailand in 2026? We compared 15 credit cards from top banks in Thailand to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Bank of Thailand (BOT).
Quick Comparison: All 15 Credit cards in Thailand
Side-by-side comparison of every credit card option in Thailand as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. Bangkok Bank AirAsia Platinum | Bangkok Bank | 1.33% per month | Shopping Discounts, Travel Benefits, Digital Wallet,… | View → |
| 2. Bangkok Bank Visa Infinite | Bangkok Bank | 1.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 3. Bangkok Bank Visa Platinum | Bangkok Bank | 1.33% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 4. Bangkok Bank World MC | Bangkok Bank | 1.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 5. KBank Visa Infinite | Kasikornbank | 1.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 6. KBank Visa Platinum | Kasikornbank | 1.33% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 7. KBank Visa Signature | Kasikornbank | 1.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 8. KBank World Mastercard | Kasikornbank | 1.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 9. Krungsri JCB Platinum | Krungsri Bank | 1.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 10. Krungsri Visa Platinum | Krungsri Bank | 1.33% per month | Shopping Discounts, Purchase Protection, Digital Wal… | View → |
| 11. Krungsri Visa Signature | Krungsri Bank | 1.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 12. Krungsri World Mastercard | Krungsri Bank | 1.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 13. Krungthai Classic Visa | Krungthai Bank | 1.33% per month | Shopping Discounts, Digital Wallet, Chip/Pin, Supple… | View → |
| 14. Krungthai Visa Infinite | Krungthai Bank | 1.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 15. Krungthai Visa Platinum | Krungthai Bank | 1.33% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
Top 15 Credit Cards in Thailand (2026)
1. Bangkok Bank AirAsia Platinum
Bank: Bangkok Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Digital Wallet, Lifestyle Privileges, Chip/Pin, Supplementary Cards
Co-branded travel card earning up to 7x AirAsia BIG Points with free baggage, priority boarding, and Platinum membership.
2. Bangkok Bank Visa Infinite
Bank: Bangkok Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Ultra-premium invitation-only card with complimentary lounge access, dining set menus, spa treatments, and double reward points.
3. Bangkok Bank Visa Platinum
Bank: Bangkok Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Digital Wallet, Entertainment Benefits, Lifestyle Privileges
Mid-tier card earning 1 reward point per THB 25 spent with travel insurance, golf, and roadside assistance.
4. Bangkok Bank World MC
Bank: Bangkok Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Digital Wallet, Hotel Discounts & Offers
Premium Mastercard with up to 2% cashback, travel insurance up to USD200,000, and airline mile redemptions.
5. KBank Visa Infinite
Bank: Kasikornbank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Digital Wallet, Entertainment Benefits
Ultra-premium card for 10M+ THB clients with Priority Pass access, 20M THB travel insurance, and WISDOM Lounge access.
6. KBank Visa Platinum
Bank: Kasikornbank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Digital Wallet, Lifestyle Privileges, Chip/Pin
Mid-tier card earning K Points on restaurants, department stores, and travel, redeemable for Royal Orchid Plus miles.
7. KBank Visa Signature
Bank: Kasikornbank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Digital Wallet, Hotel Discounts & Offers
Premium lifestyle card with exclusive spa and wellness privileges, birthday gifts, and EVA Air discounts.
8. KBank World Mastercard
Bank: Kasikornbank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Digital Wallet, Hotel Discounts & Offers
Premium card with Priority Pass access to 1,800+ lounges, complimentary luxury hotel nights, and 3x dining reward points.
9. Krungsri JCB Platinum
Bank: Krungsri Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Asia-focused travel card with 3% cashback on dining, 1% in Japan/Korea/HK, and JCB airport lounge access across Asia.
10. Krungsri Visa Platinum
Bank: Krungsri Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Everyday card with 1% cashback at Bangchak gas stations and medical fee installment plans at hospitals.
11. Krungsri Visa Signature
Bank: Krungsri Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Digital Wallet, Hotel Discounts & Offers
Premium dining and lifestyle card with 5x reward points on dining, DragonPass lounge access, and 24-hour concierge.
12. Krungsri World Mastercard
Bank: Krungsri Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card for Exclusive clients with Royal Silk Lounge access, DragonPass lounges, and THB 6M travel insurance.
13. Krungthai Classic Visa
Bank: Krungthai Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Digital Wallet, Chip/Pin, Supplementary Cards
Basic entry-level card with KTC FOREVER points on everyday spending and installment payment options.
14. Krungthai Visa Infinite
Bank: Krungthai Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Digital Wallet, Entertainment Benefits
Invitation-only ultra-premium card with Priority Pass access to 1,800+ lounges, 3x KTC FOREVER points, and dining privileges.
15. Krungthai Visa Platinum
Bank: Krungthai Bank
- Interest Rate: 1.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Digital Wallet, Lifestyle Privileges, Chip/Pin
Mid-tier card earning KTC FOREVER points with no expiration, redeemable for airline miles, with 0% installment plans.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Thailand
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — all products listed are from banks regulated by Bank of Thailand (BOT)
Frequently Asked Questions: Credit cards in Thailand
What is the best credit card in Thailand for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare all 15 options on this page.
What credit score do I need for a credit card in Thailand?
Most banks in Thailand require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
Can I apply online for a credit card in Thailand?
Yes, most major banks in Thailand now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Yes — all 15 options listed are from banks regulated by Bank of Thailand (BOT). Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Thailand?
Fees vary by tier and bank: classic cards typically ฿ 0–1,500/year, gold ฿ 1,500–3,000, platinum ฿ 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
Can I get a credit card if I am self-employed in Thailand?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees (typically ฿ 500–2,000), a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Thailand
- All banks in Thailand
- Bank branches across Thailand
- Credit Cards In Thailand 2026
- Personal Loans In Thailand 2026
- Savings Accounts In Thailand 2026
- Thailand EMI calculator
- Thailand savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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