#1฿6,006/yr
Krungsri Cashback
3% · Cashback Kings
Best net value on this list — about ฿6,006/yr in your pocket after fees on typical spends.
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Age 20–65 · From ฿15,000/mo income · Unsecured
Cashback Kings·KBank
Popular starter card for dining and e-commerce in Thailand.
Age 20–65 · From ฿15,000/mo income · Unsecured
Key Benefits
All 9 benefits →Dining
Up to 10%
฿1,000/mo cashback
Online
5%
฿1,000/mo cashback
All spends
1%
Dining
10%
Cap ฿1,000/mo
Signup bonus: ฿500 (year 1)
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: Issuer public T&Cs (Thailand, verified Jun 2026)
Flat cashback on spends — no points math
Source: Issuer public T&Cs (Thailand, verified Jun 2026)
Dining
Up to 10%
Cap: ฿1,000/mo cashback
Example: ฿1,000/mo spend → ≈ ฿100/mo (max at cap)
Online
5%
Cap: ฿1,000/mo cashback
Example: ฿1,000/mo spend → ≈ ฿50/mo (max at cap)
All spends
1%
Example: ฿10,000/mo spend → ≈ ฿100/mo
Based on moderate spend for this market
Est. net annual
฿6,991
per year
Annual fee
฿599
per year
Effective return
2.5%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿599 · Forex 2.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿599
Annual / renewal fee
Charged every year unless waived
฿599
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 · ฿15,000/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 ฿8,040/year. After the ฿599 annual fee, net value is approximately ฿6,991/year. Use the calculator above to model your own spends.
฿15,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
Krungsri Cashback
3% · Cashback Kings
Best net value on this list — about ฿6,006/yr in your pocket after fees on typical spends.
UOB YOLO Platinum
Up to 3% · Cashback Kings
Strong runner-up at ฿562/yr net — roughly ฿5,444 behind #1 on the same spend mix.
KBank PLUSTINUM
1X K Point · Cashback Kings
Worth a look — -฿2,209/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
