KrungthaiGold

Krungthai Pearl Credit Card

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Quick facts

Krungthai Pearl Credit Card

Top reward2%

Annual fee฿1,200

Min income฿15,000/mo

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🛒Shopping Partners

Krungthai · Gold tier

Krungthai Pearl Credit Card

KTB popular card

Widely held card especially among public sector employees.

Key Benefits

💳

Government employee favourite

🎁

Utility bill rewards

⛽

Low annual fee

Annual fee

฿1,200

Top rate

Min income

฿15,000/mo

Eff. return

0.38%

Realistic net value (moderate user): ฿1,050/year

After ฿1,200 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

฿2,700

Before fees & forex

Costs / year

฿1,650

Fee ฿1,200 + forex ฿450

Net value / year

฿1,050

0.38% effective return on spend

Category-wise breakdown

Utilities & bills

Spend ฿1,500/mo · 2% cashback

฿120/year

฿10/mo

฿500 × 2% = ฿10/moCap hit at ฿500/mo — extra spend earns less

All other eligible spends

Spend ฿21,500/mo · 1% cashback

฿2,580/year

฿215/mo

฿21,500 × 1% = ฿215/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.

🛒Shopping Partners

Amazon, Flipkart & co-branded accelerators

Reward Structure

Source: Issuer public T&Cs

utilities

Cap: ฿500/mo

Example: ฿500/mo spend → ≈ ฿10/mo (max at cap)

all

Example: ฿10,000/mo spend → ≈ ฿100/mo

Excluded categories (no rewards)

InsuranceGovernment paymentsCash advanceBill payment fees

Best for

→ KTB popular card

Fees & Charges — Full Disclosure

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

Joining fee

Charged in first year

฿1,200

Annual / renewal fee

Charged every year unless waived

฿1,200

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+ ฿2,700

Annual fee− ฿1,200

Forex cost− ฿450

Net annual value฿1,050

Eligibility Snapshot

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

Minimum age20–65 years

Min income (salaried)฿15,000/mo

Min income (self-employed)฿180,000/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 Pearl Credit Card?+

At moderate spend (฿23,000/mo), gross rewards are about ฿2,700/year. After the ฿1,200 annual fee, net value is approximately ฿1,050/year. Use the calculator above to model your own spends.

What is the minimum income for Krungthai Pearl Credit Card?+

฿15,000/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.