KrungthaiGold

Krungthai Papaya

•••• •••• •••• 4242

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Quick facts

Krungthai Papaya

Top reward0.8%

Annual feeLifetime Free

Min income฿12,000/mo

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🌱First Card / Entry

Krungthai · Gold tier

Krungthai Papaya

Entry-level Krungthai

Popular no-fee card for first-time applicants.

Key Benefits

💳

Lifetime free

🎁

Government employee friendly

⛽

Basic rewards

Annual fee

Free

Top rate

0.8%

Min income

฿12,000/mo

Eff. return

0.67%

Realistic net value (moderate user): ฿1,858/year

After ฿0 fee & ฿450 forex. Based on ฿23,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ฿ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ฿/point rates

What You Actually Earn (in ฿)

Absolute THB estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

฿2,308

Before fees & forex

Costs / year

฿450

Fee ฿0 + forex ฿450

Net value / year

฿1,858

0.67% effective return on spend

Category-wise breakdown

All other eligible spends

Spend ฿23,000/mo · 0.8% cashback

฿2,208/year

฿184/mo

฿23,000 × 0.8% = ฿184/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

🌱First Card / Entry

Low income threshold, easy approval

Reward Structure

Source: Issuer public T&Cs

all

0.8%

Example: ฿10,000/mo spend → ≈ ฿80/mo

Excluded categories (no rewards)

InsuranceGovernment paymentsCash advanceBill payment fees

Best for

→ Entry-level Krungthai

Fees & Charges — Full Disclosure

All amounts in THB. Everything that can reduce your net value.

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 net math

Gross rewards+ ฿2,208

Signup bonus (year 1)+ ฿100

Annual fee− ฿0

Forex cost− ฿450

Net annual value฿1,858

Eligibility Snapshot

Public criteria from Issuer public T&Cs. Bank makes final decision.

Minimum age20–65 years

Min income (salaried)฿12,000/mo

Min income (self-employed)฿144,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

NCB checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

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.

FAQ

How much can I actually earn with Krungthai Papaya?+

At moderate spend (฿23,000/mo), gross rewards are about ฿2,208/year. After the ฿0 annual fee, net value is approximately ฿1,858/year. Use the calculator above to model your own spends.

What is the minimum income for Krungthai Papaya?+

฿12,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

Insurance, Government payments, Cash advance, Bill payment fees.

Does CardHungry pull my NCB score?+

No. We use public eligibility criteria only. The bank will check NCB when you apply.