#1฿920/yr
KTC World Rewards Mastercard
3% · Travel & Miles
Best net value on this list — about ฿920/yr in your pocket after fees on typical spends.
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Age 20–65 · From ฿35,000/mo income · Unsecured
Travel & Miles·Citibank
Popular miles card with lounge and transfer partners.
Age 20–65 · From ฿35,000/mo income · Unsecured
Key Benefits
All 6 benefits →Travel
4 miles/฿25
Lounge
Airport lounge
Travel
4 pts/25
ใช้จ่ายถึง ฿8,000/เดือน
All spends
1.5 pts/25
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
4 miles/฿25
Lounge
Airport lounge
Fee waiver at
฿400,000 annual spend
Lounge access
Airport lounge access
Spend criteria: Minimum spend required — see issuer T&Cs for current threshold
See worked examples of how points convert to cash value
travel — 4 pts per ฿25 spend
You spend
฿5,000
You earn
800 pts
Worth ≈
฿280
@ ฿0.35/point
Capped at ฿8,000/month spend for accelerated rate
all — 1.5 pts per ฿25 spend
You spend
฿5,000
You earn
300 pts
Worth ≈
฿105
@ ฿0.35/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ฿0.35/pt in calculations.
Based on moderate spend for this market
Est. net annual
฿1,680
per year
Annual fee
฿3,990
per year
Effective return
0.6%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿3,990 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿3,990
Annual / renewal fee
Waived on ฿400,000 annual spend
฿3,990
Forex markup
3.5% 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 · ฿35,000/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 ฿6,300/year. After the ฿3,990 annual fee, net value is approximately ฿1,680/year. Use the calculator above to model your own spends.
฿35,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
KTC World Rewards Mastercard
3% · Travel & Miles
Best net value on this list — about ฿920/yr in your pocket after fees on typical spends.
SCB Miles
3 miles/฿25 · Travel & Miles
Strong runner-up at ฿680/yr net — roughly ฿240 behind #1 on the same spend mix.
KBank Platinum Plus
3% · Travel & Miles
Worth a look — -฿329/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
