#1-฿697/yr
UOB Premier
5% · Travel & Miles
Best net value on this list — about -฿697/yr in your pocket after fees on typical spends.
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Age 20–65 · From ฿40,000/mo income · Unsecured
Travel & Miles·Bangkok Bank
Bangkok Bank flagship for affluent travellers.
Age 20–65 · From ฿40,000/mo income · Unsecured
Key Benefits
All 7 benefits →Travel
5%
฿5,000/mo
Lounge
Airport privileges
All spends
1%
Lounge
Airport lounge privileges …
High annual fee — may not pay off at moderate spend
At ฿23,000/mo, net value is -฿1,110/yr after fees. It turns positive around ฿30,525/mo — and at heavy spend (฿56,000/mo) we estimate ฿2,040/yr.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Issuer public T&Cs (Thailand, verified Jun 2026)
Flights, hotels, zero forex options
Source: Issuer public T&Cs (Thailand, verified Jun 2026)
Travel
5%
Cap: ฿5,000/mo
Example: ฿5,000/mo spend → ≈ ฿250/mo (max at cap)
Lounge
Airport privileges
Lounge access
Airport lounge privileges at select airports
Spend criteria: Minimum spend required — see issuer T&Cs for current threshold
Based on moderate spend for this market
Est. net annual
-฿1,110
per year
Annual fee
฿4,500
per year
Effective return
-0.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿4,500 · Forex 2.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿4,500
Annual / renewal fee
Charged every year unless waived
฿4,500
Forex markup
2.5% on international transactions
Finance charges
≈1.5–1.75% per month (18–21% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
Typically ฿200–฿800 depending on statement balance — always pay on time
Reward redemption fee
Usually ฿0 for cashback cards; points cards may have ฿50+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
20–65 years · ฿40,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (฿23,000/mo), gross rewards are about ฿3,840/year. After the ฿4,500 annual fee, net value is approximately -฿1,110/year. Use the calculator above to model your own spends.
฿40,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
UOB Premier
5% · Travel & Miles
Best net value on this list — about -฿697/yr in your pocket after fees on typical spends.
HSBC Premier World Mastercard
3% · Travel & Miles
Strong runner-up at -฿2,244/yr net — roughly ฿1,547 behind #1 on the same spend mix.
Bangkok Bank Platinum
2% · Travel & Miles
Worth a look — -฿2,310/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
