#1฿3,150/yr
KBank LINE POINTS Credit Card
Up to 3% cashback · Shopping Partners
Best net value on this list — about ฿3,150/yr in your pocket after fees on typical spends.
Age 20–65 · From ฿20,000/mo income · Unsecured
Shopping Partners·KBank
KBank cashback for fuel, supermarkets, restaurants, and everyday spending.
Age 20–65 · From ฿20,000/mo income · Unsecured
Key Benefits
All 8 benefits →Groceries
5%
฿2,000/mo
Fuel
3%
฿1,000/mo
Typical exclusions
Insurance, government, cash advance
Confirm current issuer T&Cs
All spends
0.8%
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: KBank fee schedule 1 Jul 2026 — Titanium Mastercard annual ฿1,600, waiver ฿20,000 or 12 txns
Amazon, Flipkart & co-branded accelerators
Source: KBank fee schedule 1 Jul 2026 — Titanium Mastercard annual ฿1,600, waiver ฿20,000 or 12 txns
Groceries
5%
Cap: ฿2,000/mo
Example: ฿2,000/mo spend → ≈ ฿100/mo (max at cap)
Fuel
3%
Cap: ฿1,000/mo
Example: ฿1,000/mo spend → ≈ ฿30/mo (max at cap)
Typical exclusions
Confirm current issuer T&Cs
Insurance, government, cash advance
Fee waiver at
฿20,000 annual spend
Based on moderate spend for this market
Est. net annual
฿2,243
per year
Annual fee
Free
per year
Effective return
0.8%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿1,600 · Forex 2.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿1,600
Annual / renewal fee
Waived on ฿20,000 annual spend
฿1,600
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 · ฿20,000/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 ฿2,693/year. After the ฿1,600 annual fee, net value is approximately ฿2,243/year. Use the calculator above to model your own spends.
฿20,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
KBank LINE POINTS Credit Card
Up to 3% cashback · Shopping Partners
Best net value on this list — about ฿3,150/yr in your pocket after fees on typical spends.
Krungsri Lady
5% · Shopping Partners
Strong runner-up at ฿3,105/yr net — roughly ฿45 behind #1 on the same spend mix.
KBank Shopee Credit Card
Up to 5% cashback · Shopping Partners
Worth a look — ฿2,670/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
