Compare Credit Cards in Thailand

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23 live offers compared from 9 providers, from THB 1500 /year. Updated daily.

What are Credit Cards in Thailand?

A credit card lets you spend up to an approved limit and repay later, either in full at the end of the billing cycle (interest-free) or over time (with interest). Thai cards are issued by banks and licensed non-bank card companies under Bank of Thailand rules, and they are widely used for online shopping, travel, dining rewards, cashback and interest-free instalment plans on larger purchases. Contactless and QR-linked cards are common, and most issuers manage cards through their mobile apps.

How the Thai market works

The BOT regulates credit cards tightly: minimum income requirements apply (commonly around THB 15,000 per month), credit limits are typically capped at a multiple of monthly income for many applicants, and the maximum interest rate on credit cards is capped at 16% per year. Minimum monthly repayments are set by regulation. Cards are heavily marketed on rewards — points, cashback, airline miles, dining and cinema privileges — and on "0% instalment" tie-ups with retailers for electronics, furniture and travel, a deeply embedded feature of Thai retail.

Benefits

Interest-free period — pay the full statement balance and you pay no interest on purchases.

Rewards — points, cashback and miles on everyday spending.

0% instalments — spread big purchases over months at participating merchants.

Convenience and safety — accepted online and abroad, with fraud protection.

How to choose

Pick a card around how you spend: heavy online or overseas users benefit from cashback or low-FX cards, frequent flyers from miles cards, and instalment users from wide 0% merchant networks. Compare the annual fee (and any fee-waiver conditions such as a minimum yearly spend), the rewards rate and caps, foreign-transaction fees, and whether points expire. If you may carry a balance, prioritise the interest rate; if you always pay in full, the rate matters less than the rewards and privileges you will actually use.

Leading providers in Thailand

Major issuers include Krungsri (a leading card issuer through Krungsri Consumer and First Choice), Bangkok Bank, Kasikornbank, SCB, TTB Bank, Krungthai Bank, UOB Thailand and CIMB Thai. Krungsri and its consumer-finance arms are among the largest by cards in circulation, while the big commercial banks bundle cards with their mobile apps and instalment programmes to keep customers within their ecosystem.

What it costs

Annual fees range from waived (often on spend or in the first year) up to several thousand baht for premium cards — which is why fees span roughly THB 0 to THB 5,000. Interest on unpaid balances is capped at 16% per year, foreign transactions typically add around 2.5%, and late or over-limit fees apply. Paying the full balance each month avoids interest entirely, making the card effectively free credit if managed well. Where a card charges an annual fee, check whether it is waived on reaching a minimum yearly spend, and weigh the fee against the cash value of the rewards, lounge access or dining privileges you will realistically use — an unused premium perk is simply an added cost.

Protections and regulation

Credit cards are supervised by the Bank of Thailand, which caps interest and fees, sets minimum-payment and income rules, and enforces disclosure and fair collection. Card activity is reported to the National Credit Bureau. International schemes (Visa, Mastercard, JCB, UnionPay) add chargeback and fraud protections on disputed transactions.

Common questions

What income do I need? Commonly around THB 15,000 per month, though premium cards require more.

How is interest capped? At 16% per year under BOT rules.

Do rewards expire? Depends on the card — check point validity before applying.

Is there a foreign-transaction fee? Usually around 2.5% on overseas and some online purchases.

Credit Cards in Thailand — FAQ