Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Thailand in 2026? We hold verified data on 20 credit cards in Thailand and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Thailand. It is the set Buzdy has verified data for, from 5 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Thailand
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. SCB Visa Infinite Luxe | Siam Commercial Bank | Not published | 15.96% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 2. Bangkok Bank Visa Infinite | Bangkok Bank | Not published | 15.96% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 3. KBank Visa Infinite | Kasikornbank | Not published | 15.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 4. Krungthai Visa Infinite | Krungthai Bank | Not published | 15.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 5. Krungsri JCB Platinum | Krungsri Bank | Not published | 15.96% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 6. SCB M Visa Signature | Siam Commercial Bank | Not published | 15.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 7. Bangkok Bank World MC | Bangkok Bank | Not published | 15.96% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 8. KBank Visa Signature | Kasikornbank | Not published | 15.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 9. Krungthai Visa Platinum | Krungthai Bank | Not published | 15.96% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 10. Krungsri Visa Signature | Krungsri Bank | Not published | 15.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 11. SCB UP2ME Mastercard | Siam Commercial Bank | Not published | 15.96% per month | Cashback, Travel benefits, Digital wallet, Shopping offers | View → |
| 12. Bangkok Bank Visa Platinum | Bangkok Bank | Not published | 15.96% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 13. KBank World Mastercard | Kasikornbank | Not published | 15.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 14. Krungthai Visa Signature | Krungthai Bank | Not published | 15.96% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 15. Krungsri World Mastercard | Krungsri Bank | Not published | 15.96% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
The 15 Credit Cards in Detail
1. SCB Visa Infinite Luxe
Bank: Siam Commercial Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Top-tier SCB M card with Priority Pass lounge access, flight upgrade benefits, and enhanced M Points earning at The Mall Group.
2. Bangkok Bank Visa Infinite
Bank: Bangkok Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Hotel offers, Supplementary cards
Ultra-premium invitation-only card with complimentary lounge access, dining set menus, spa treatments, and double reward points.
3. KBank Visa Infinite
Bank: Kasikornbank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Ultra-premium card for 10M+ THB clients with Priority Pass access, 20M THB travel insurance, and WISDOM Lounge access.
4. Krungthai Visa Infinite
Bank: Krungthai Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Invitation-only ultra-premium card with Priority Pass access to 1,800+ lounges, 3x KTC FOREVER points, and dining privileges.
5. Krungsri JCB Platinum
Bank: Krungsri Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Asia-focused travel card with 3% cashback on dining, 1% in Japan/Korea/HK, and JCB airport lounge access across Asia.
6. SCB M Visa Signature
Bank: Siam Commercial Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium lifestyle card with Miracle Lounge access, airport limousine service, and exclusive Mall Group shopping privileges.
7. Bangkok Bank World MC
Bank: Bangkok Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Hotel offers, Supplementary cards
Premium Mastercard with up to 2% cashback, travel insurance up to USD200,000, and airline mile redemptions.
8. KBank Visa Signature
Bank: Kasikornbank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Hotel offers, Supplementary cards
Premium lifestyle card with exclusive spa and wellness privileges, birthday gifts, and EVA Air discounts.
9. Krungthai Visa Platinum
Bank: Krungthai Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Mid-tier card earning KTC FOREVER points with no expiration, redeemable for airline miles, with 0% installment plans.
10. Krungsri Visa Signature
Bank: Krungsri Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Hotel offers, Supplementary cards
Premium dining and lifestyle card with 5x reward points on dining, DragonPass lounge access, and 24-hour concierge.
11. SCB UP2ME Mastercard
Bank: Siam Commercial Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Cashback, Travel benefits, Digital wallet, Shopping offers, Supplementary cards
Starter lifestyle card with lifetime-free fee, choose-your-own-category for up to 3x points, and 5x birthday bonus.
12. Bangkok Bank Visa Platinum
Bank: Bangkok Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
Mid-tier card earning 1 reward point per THB 25 spent with travel insurance, golf, and roadside assistance.
13. KBank World Mastercard
Bank: Kasikornbank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Hotel offers, Supplementary cards
Premium card with Priority Pass access to 1,800+ lounges, complimentary luxury hotel nights, and 3x dining reward points.
14. Krungthai Visa Signature
Bank: Krungthai Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Premium card with numberless design, Dynamic CVV security, and double KTC FOREVER points on foreign currency spend.
15. Krungsri World Mastercard
Bank: Krungsri Bank
- Annual fee: Not published
- Interest rate: 15.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Hotel offers, Supplementary cards
Premium card for Exclusive clients with Royal Silk Lounge access, DragonPass lounges, and THB 6M travel insurance.
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 — check the issuer's licence on the Bank of Thailand (BOT) public register before you apply
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 the 15 products in this guide above.
What credit score do I need for a credit card in Thailand?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
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?
Retail banking in Thailand is supervised by Bank of Thailand (BOT). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
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, 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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