Best Credit Cards in Thailand — October 2026 (Every Category)
The best credit cards in Thailand for October 2026: top picks for cashback, online shopping, dining, fuel, travel, lounge access and more, ranked by net annual value after fees and caps.
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Best Credit Cards in Thailand — October 2026
Swipe for caps, ₹ impact & what to do
CardX UP2ME Mastercard leads on a typical profile at about ฿4,400 a year
The best credit card in Thailand for October 2026 depends on what you spend on, but on our standard monthly profile the highest net value comes from CardX UP2ME Mastercard, at about ฿4,400 a year after fees and caps. Below, we rank the top cards in each category, using the same reward engine that powers every card page, and we show the assumptions so you can check them against your own spending.
Best credit cards in Thailand by category (October 2026)
| Our pick | Best for | Est. net / year | Annual fee |
|---|---|---|---|
| CardX UP2ME Mastercard | Everyday spending | ~฿4,400 | None |
| CardX UP2ME Mastercard | Online shopping | ~฿6,600 | None |
| Krungsri Lady | Dining and food delivery | ~฿6,400 | None |
| SCB FIRST | Travel and miles | ~฿3,800 | None |
| SCB FIRST | Airport lounge access | ~฿4,000 | None |
| CardX UP2ME Mastercard | No-annual-fee cards | ~฿4,400 | None |
| CardX UP2ME Mastercard | First-time applicants | ~฿4,400 | None |
Estimates after annual fee and reward caps, on the profile described below. Your own number will differ.
How we picked these cards
Each ranking is a net annual value: the rewards a card pays on the monthly profile below, minus its annual fee and foreign-currency costs, after applying the monthly caps and the exclusions in its terms. Sign-up bonuses and travel insurance are left out, so a one-off bonus cannot outrank a card that pays every year. We assume a typical earner in Thailand, around ฿30,000/mo, and leave out cards that need much more. Brand-linked cards (for example a fuel or e-commerce co-brand) are valued with an assumed share of spend at their partner, which is flagged in the "watch out for" column. All amounts are in Thai baht. Card details in this edition were last verified between June 2026 and September 2026.
| Category | Per month |
|---|---|
| Groceries | ฿4,000 |
| Dining and food delivery | ฿3,000 |
| Fuel | ฿2,000 |
| Online shopping | ฿5,000 |
| Travel | ฿3,000 |
| Bills and utilities | ฿1,500 |
| International spend | ฿1,500 |
| Everything else | ฿3,000 |
| Total per month | ฿23,000 |
Category lists re-weight this profile so the category being ranked is a large share of spend, as described in each section.
Best credit card for everyday spending in Thailand
If you want one card for most of your spending in Thailand, rank on what it earns across groceries, dining, online, bills and everything else, after fees and caps. This is the most "typical wallet" view, and it is where flat-rate and broad-bonus cards do best.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| CardX UP2ME Mastercard | ~฿4,400 | None | ฿15,000/mo | Online/shopping: Up to 5%. |
| SCB JCB Platinum | ~฿3,500 | None | ฿30,000/mo | Cap: ฿3,000/mo. |
| KBank LINE POINTS | ~฿3,200 | None | ฿15,000/mo | Cap: ฿800/mo. |
For everyday spending, CardX UP2ME Mastercard leads at about ฿4,400 a year, with SCB JCB Platinum next at ฿3,500 and KBank LINE POINTS at ฿3,200. That lead of ฿1,200 a year is large, and it comes with no fee. Check the monthly cap on the bonus rate and whether the card needs a minimum monthly spend before it pays out.
If you earn more than the typical income we assume, a higher-income card is worth a look: SCB Ultra Platinum (asks for ฿80,000/mo) would net roughly ฿5,100 a year and ttb absolute (asks for ฿35,000/mo) would net roughly ฿3,300 a year.
Everyday picks on CardHungry
CardX UP2ME Mastercard
CardX
Net / yr
฿4,350
Fee
Free
Top
Up to 5%
- ✓Best net value on this list — about ฿4,350/yr in your pocket after fees on typical spends.
- ✓Best for online/shopping — Up to 5%.
SCB JCB Platinum
SCB
Net / yr
฿3,510
Fee
Free
Top
3%
- ✓Strong runner-up at ฿3,510/yr net — roughly ฿840 behind #1 on the same spend mix.
- ✓Best for international — 3%, up to ฿3,000/mo.
KBank LINE POINTS Credit Card
KBank
Net / yr
฿3,150
Fee
Free
Top
Up to 3% cashback
- ✓Worth a look — ฿3,150/yr net among the eligible cards on this list.
- ✓Best for digital / online — Up to 3% cashback, up to ฿800/mo.
SCB JCB Platinum
SCB
Net / yr
฿3,510
Fee
Free
Top
3%
- ✓Strong runner-up at ฿3,510/yr net — roughly ฿840 behind #1 on the same spend mix.
- ✓Best for international — 3%, up to ฿3,000/mo.
CardX UP2ME Mastercard
CardX
Net / yr
฿4,350
Fee
Free
Top
Up to 5%
- ✓Best net value on this list — about ฿4,350/yr in your pocket after fees on typical spends.
- ✓Best for online/shopping — Up to 5%.
KBank LINE POINTS Credit Card
KBank
Net / yr
฿3,150
Fee
Free
Top
Up to 3% cashback
- ✓Worth a look — ฿3,150/yr net among the eligible cards on this list.
- ✓Best for digital / online — Up to 3% cashback, up to ฿800/mo.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1CardX UP2ME Mastercard฿4,350#1CardX UP2ME Mastercard฿4,350
- #2SCB JCB Platinum฿3,510#2SCB JCB Platinum฿3,510
- #3KBank LINE POINTS Credit Card฿3,150#3KBank LINE POINTS Credit Card฿3,150
Estimated net value on a shared spend profile — not marketing headline rates.
Best credit card for dining and food delivery in Thailand
Dining cards are where reward caps matter most, because a restaurant-heavy month can blow through a monthly ceiling quickly. We weighted this profile so dining is about 40% of spend and ranked cards by what is left after the cap.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| Krungsri Lady | ~฿6,400 | None | ฿18,000/mo | Dining/shopping: 5%. |
| UOB ONE Card (Thailand) | ~฿4,300 | ฿2,000/yr | ฿30,000/mo | Annual fee: ฿2,000 + VAT ฿140. Fee waived at ฿60,000/yr spend. |
| UOB YOLO Platinum | ~฿2,300 | ฿2,000/yr | ฿30,000/mo | Cap: ฿500/mo. |
Krungsri Lady keeps the most on this profile, roughly ฿6,400 a year; UOB ONE Card (Thailand) comes in at ฿4,300, UOB YOLO Platinum at ฿2,300. That lead of ฿4,100 a year is large, and it comes with no fee. Check whether delivery apps count as dining, and whether the bonus needs a minimum monthly spend.
Dining and food delivery picks on CardHungry
Krungsri Lady
Krungsri
Net / yr
฿3,105
Fee
Free
Top
5%
- ✓Best net value on this list — about ฿3,105/yr in your pocket after fees on typical spends.
- ✓Best for dining/shopping — 5%.
UOB ONE Card (Thailand)
UOB
Net / yr
฿2,562
Fee
฿2,000
Top
฿2,000 + VAT ฿140
- ✓Strong runner-up at ฿2,562/yr net — roughly ฿543 behind #1 on the same spend mix.
- ✓Best for annual fee — ฿2,000 + VAT ฿140.
UOB YOLO Platinum
UOB
Net / yr
฿562
Fee
฿2,000
Top
Up to 3%
- ✓Worth a look — ฿562/yr net among the eligible cards on this list.
- ✓Best for dining — Up to 3%, up to ฿500/mo.
UOB ONE Card (Thailand)
UOB
Net / yr
฿2,562
Fee
฿2,000
Top
฿2,000 + VAT ฿140
- ✓Strong runner-up at ฿2,562/yr net — roughly ฿543 behind #1 on the same spend mix.
- ✓Best for annual fee — ฿2,000 + VAT ฿140.
Krungsri Lady
Krungsri
Net / yr
฿3,105
Fee
Free
Top
5%
- ✓Best net value on this list — about ฿3,105/yr in your pocket after fees on typical spends.
- ✓Best for dining/shopping — 5%.
UOB YOLO Platinum
UOB
Net / yr
฿562
Fee
฿2,000
Top
Up to 3%
- ✓Worth a look — ฿562/yr net among the eligible cards on this list.
- ✓Best for dining — Up to 3%, up to ฿500/mo.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1Krungsri Lady฿3,105#1Krungsri Lady฿3,105
- #2UOB ONE Card (Thailand)฿2,562#2UOB ONE Card (Thailand)฿2,562
- #3UOB YOLO Platinum฿562#3UOB YOLO Platinum฿562
Estimated net value on a shared spend profile — not marketing headline rates.
Best travel and miles credit card in Thailand
Travel cards trade higher fees for miles, lounge access and lower foreign-currency costs. This ranking puts travel and international spend at about 45% of the profile and values points at the rate in our catalog, so a card whose points you transfer at a better rate can do better than shown. Perks such as insurance are not in the numbers.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| SCB FIRST | ~฿3,800 | None | ฿50,000/mo | Cap: ฿6,000/mo spend. |
| SCB JCB Platinum | ~฿3,100 | None | ฿30,000/mo | Cap: ฿3,000/mo. |
| ttb absolute | ~฿2,600 | None | ฿35,000/mo | Online: 2 pts per ฿20. |
Expect around ฿3,800 a year from SCB FIRST, against ฿3,100 for SCB JCB Platinum and ฿2,600 for ttb absolute. That lead of ฿1,200 a year is large, and it comes with no fee. Check how points convert to miles or vouchers, and whether the lounge benefit needs a minimum spend.
Travel and miles picks on CardHungry
SCB FIRST
SCB
Net / yr
฿3,870
Fee
Free
Top
3% cashback
- ✓Best net value on this list — about ฿3,870/yr in your pocket after fees on typical spends.
- ✓Best for travel — 3% cashback, up to ฿6,000/mo spend.
SCB JCB Platinum
SCB
Net / yr
฿3,510
Fee
Free
Top
3%
- ✓Strong runner-up at ฿3,510/yr net — roughly ฿360 behind #1 on the same spend mix.
- ✓Best for international — 3%, up to ฿3,000/mo.
ttb absolute
ttb
Net / yr
฿3,300
Fee
Free
Top
2 pts per ฿20
- ✓Worth a look — ฿3,300/yr net among the eligible cards on this list.
- ✓Best for online — 2 pts per ฿20.
SCB JCB Platinum
SCB
Net / yr
฿3,510
Fee
Free
Top
3%
- ✓Strong runner-up at ฿3,510/yr net — roughly ฿360 behind #1 on the same spend mix.
- ✓Best for international — 3%, up to ฿3,000/mo.
SCB FIRST
SCB
Net / yr
฿3,870
Fee
Free
Top
3% cashback
- ✓Best net value on this list — about ฿3,870/yr in your pocket after fees on typical spends.
- ✓Best for travel — 3% cashback, up to ฿6,000/mo spend.
ttb absolute
ttb
Net / yr
฿3,300
Fee
Free
Top
2 pts per ฿20
- ✓Worth a look — ฿3,300/yr net among the eligible cards on this list.
- ✓Best for online — 2 pts per ฿20.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1SCB FIRST฿3,870#1SCB FIRST฿3,870
- #2SCB JCB Platinum฿3,510#2SCB JCB Platinum฿3,510
- #3ttb absolute฿3,300#3ttb absolute฿3,300
Estimated net value on a shared spend profile — not marketing headline rates.
Best first credit card in Thailand
For a first card, approval odds and low cost matter more than reward rates. We list cards with low income requirements or an FD-backed option, and show what they would earn on an ordinary spending month so you can see the cost of choosing the safe option.
| Card | Est. net / year | Annual fee | Min income | Watch out for |
|---|---|---|---|---|
| CardX UP2ME Mastercard | ~฿4,400 | None | ฿15,000/mo | Online/shopping: Up to 5%. |
| KBank LINE POINTS | ~฿3,200 | None | ฿15,000/mo | Cap: ฿800/mo. |
| Krungsri Lady | ~฿3,100 | None | ฿18,000/mo | Dining/shopping: 5%. |
CardX UP2ME Mastercard tops the first-time applicants list (฿4,400 a year), ahead of KBank LINE POINTS (฿3,200) and Krungsri Lady (฿3,100). That lead of ฿1,200 a year is large, and it comes with no fee. FD-backed cards need a deposit, and a first application that is declined can make the next one harder, so apply once to the card you are likely to get.
With no credit history or income proof, an FD-backed card is the likelier approval: KBank Secured Card is in our catalog. These earn little, so treat them as a way to build a record before moving to a better card.
First-time applicants picks on CardHungry
CardX UP2ME Mastercard
CardX
Net / yr
฿4,350
Fee
Free
Top
Up to 5%
- ✓Best net value on this list — about ฿4,350/yr in your pocket after fees on typical spends.
- ✓Best for online/shopping — Up to 5%.
KBank LINE POINTS Credit Card
KBank
Net / yr
฿3,150
Fee
Free
Top
Up to 3% cashback
- ✓Strong runner-up at ฿3,150/yr net — roughly ฿1,200 behind #1 on the same spend mix.
- ✓Best for digital / online — Up to 3% cashback, up to ฿800/mo.
Krungsri Lady
Krungsri
Net / yr
฿3,105
Fee
Free
Top
5%
- ✓Worth a look — ฿3,105/yr net among the eligible cards on this list.
- ✓Best for dining/shopping — 5%.
KBank LINE POINTS Credit Card
KBank
Net / yr
฿3,150
Fee
Free
Top
Up to 3% cashback
- ✓Strong runner-up at ฿3,150/yr net — roughly ฿1,200 behind #1 on the same spend mix.
- ✓Best for digital / online — Up to 3% cashback, up to ฿800/mo.
CardX UP2ME Mastercard
CardX
Net / yr
฿4,350
Fee
Free
Top
Up to 5%
- ✓Best net value on this list — about ฿4,350/yr in your pocket after fees on typical spends.
- ✓Best for online/shopping — Up to 5%.
Krungsri Lady
Krungsri
Net / yr
฿3,105
Fee
Free
Top
5%
- ✓Worth a look — ฿3,105/yr net among the eligible cards on this list.
- ✓Best for dining/shopping — 5%.
Net value snapshot
Rewards minus annual fee on your spend profile
- #1CardX UP2ME Mastercard฿4,350#1CardX UP2ME Mastercard฿4,350
- #2KBank LINE POINTS Credit Card฿3,150#2KBank LINE POINTS Credit Card฿3,150
- #3Krungsri Lady฿3,105#3Krungsri Lady฿3,105
Estimated net value on a shared spend profile — not marketing headline rates.
How to choose among these
- Start with where most of your money goes. A card that is third in a category you rarely use is worse than a modest card in the category you use daily.
- Check the monthly cap before the percentage. A 10% rate that stops at a small monthly ceiling can pay less than a flat 2% with no cap once you spend normally.
- Look at the fee against your real spending, not ours. Our table shows the fee and the spend at which it is waived, where the bank publishes one.
- Apply to one card first. Each application is a hard enquiry, and a decline on your first card makes the next harder.
Get a personalized recommendation
Articles are generic — your best card depends on income and spends. Match in 2 minutes, no NCB pull.
Start free matchRates, caps, and offers are sourced from public issuer and platform terms and may change — see how we calculate net annual value.
Frequently asked questions
What is the best credit card in Thailand in October 2026?+
On our standard spending profile the highest net value comes from CardX UP2ME Mastercard, at about ฿4,400 a year after fees and caps. The best card for you depends on where you spend, so use the category sections above: a card that wins on dining may be mediocre for fuel.
How are the rankings calculated?+
We estimate the annual rewards each card pays on a monthly spending profile, subtract the annual fee and foreign-currency costs, and apply the monthly caps and exclusions in each card’s terms. Points are valued at the rate in our catalog. Sign-up bonuses are left out so a one-off bonus cannot outrank a card that pays every year. Our methodology page documents each assumption.
Is there a good credit card with no annual fee in Thailand?+
Yes. CardX UP2ME Mastercard has no annual or joining fee and earns an estimated ฿4,400 a year on the standard profile. Free cards usually cap their bonus rate lower than paid ones, so compare the cap if you spend heavily.
Do I need a high income for these cards?+
Everyday lists assume an income around ฿30,000/mo and only include cards asking for that or less. Travel and lounge lists allow cards that ask for up to 2.5 times that. Each table shows the minimum income the bank states, and banks can still decline you for other reasons.
Does checking these cards affect my National Credit Bureau (NCB) score?+
No. CardHungry never pulls your National Credit Bureau (NCB) report. A hard enquiry happens only when you apply to the bank, so apply to one card you are likely to get rather than several at once.
How often is this list updated?+
We publish a new edition each month and update the numbers whenever a card’s terms change. This is the October 2026 edition; the next one is due in the first week of the following month. Every card page shows the date its details were last verified.
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