#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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Age 20–65 · From ฿15,000/mo income · Unsecured
First Card / Entry·Krungthai
Widely held card especially among public sector employees.
Age 20–65 · From ฿15,000/mo income · Unsecured
Key Benefits
All 7 benefits →Utilities
2%
฿500/mo
Other
1%
Typical exclusions
Insurance, government, cash advance
Confirm current issuer T&Cs
Bills
2%
Cap ฿500/mo
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)
Low income threshold, easy approval
Source: Issuer public T&Cs (Thailand, verified Jun 2026)
Utilities
2%
Cap: ฿500/mo
Example: ฿500/mo spend → ≈ ฿10/mo (max at cap)
Other
1%
Example: ฿10,000/mo spend → ≈ ฿100/mo
Typical exclusions
Confirm current issuer T&Cs
Insurance, government, cash advance
Based on moderate spend for this market
Est. net annual
฿930
per year
Annual fee
฿1,200
per year
Effective return
0.3%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿1,200 · Forex 2.5% on international transactions — tap for full fees
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 · 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 ฿2,580/year. After the ฿1,200 annual fee, net value is approximately ฿930/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.
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.
Krungsri Visa Platinum
0.5% cashback · First Card / Entry
Strong runner-up at ฿705/yr net — roughly ฿806 behind #1 on the same spend mix.
KTC Visa Platinum
1 KTC Forever / ฿25 equiv. · First Card / Entry
Worth a look — -฿50/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
