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Age 20–65 · Secured — Secured credit card from ฿10,000 · Secured card
No CIBIL Needed·KBank
Secured card for thin-file or first-time applicants.
Age 20–65 · Secured — Secured credit card from ฿10,000 · Secured card
Key Benefits
All 7 benefits →All spends
0.5% cashback
Deposit
Min ฿10,000 FD
Secured limit
All spends
0.5%
Annual fee
฿0
Lifetime free
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: KBank Secured Card Thailand T&Cs (Jun 2026)
FD-backed — build credit from scratch
Source: KBank Secured Card Thailand T&Cs (Jun 2026)
All spends
0.5% cashback
Example: ฿10,000/mo spend → ≈ ฿50/mo
Deposit
Secured limit
Min ฿10,000 FD
Based on moderate spend for this market
Est. net annual
฿750
per year
Annual fee
Free
per year
Effective return
0.3%
of spend
Annual fee Free · Forex 2.5% on international transactions — tap for full fees
Joining fee
Lifetime free card
฿0
Annual / renewal fee
No renewal fee ever
฿0
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 · Yes — from ฿10,000 — 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 ฿1,200/year. After the ฿0 annual fee, net value is approximately ฿750/year. Use the calculator above to model your own spends.
No income proof required. Secured credit card from ฿10,000.
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
