#1฿1,511/yr
Bangkok Bank Be Smart
3% cashback · First Card / Entry
Best net value on this list — about ฿1,511/yr in your pocket after fees on typical spends.
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First Card / Entry·Krungthai
Krungthai's Platinum Mastercard debit card for multi-currency overseas spending.
Age 20–65 · From ฿12,000/mo income · Unsecured
Key Benefits
All 7 benefits →All spends
0.8% cashback
Annual fee
Lifetime free
All spends
0.8%
Annual fee
฿0
Lifetime free
Signup bonus: ฿100 (year 1)
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: Krungthai Papaya Card Thailand T&Cs (Jun 2026)
Low income threshold, easy approval
Source: Krungthai Papaya Card Thailand T&Cs (Jun 2026)
All spends
0.8% cashback
Example: ฿10,000/mo spend → ≈ ฿80/mo
Annual fee
Lifetime free
Based on moderate spend for this market
Est. net annual
฿1,470
per year
Annual fee
Free
per year
Effective return
0.5%
of spend
Rewards minus annual fee on your spend profile
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 · ฿12,000/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 ฿1,920/year. After the ฿0 annual fee, net value is approximately ฿1,470/year. Use the calculator above to model your own spends.
฿12,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
Bangkok Bank Be Smart
3% cashback · First Card / Entry
Best net value on this list — about ฿1,511/yr in your pocket after fees on typical spends.
Krungthai Pearl Credit Card
2% · First Card / Entry
Strong runner-up at ฿930/yr net — roughly ฿581 behind #1 on the same spend mix.
Krungsri Visa Platinum
0.5% cashback · First Card / Entry
Worth a look — ฿705/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
