#1฿2,686/yr
Krungsri NOW
3% cashback · First Card / Entry
Best net value on this list — about ฿2,686/yr in your pocket after fees on typical spends.
Age 20–65 · From ฿15,000/mo income · Unsecured
First Card / Entry·KTC
Entry Platinum from KTC — same Forever earn rate, lower income gate than Signature.
Age 20–65 · From ฿15,000/mo income · Unsecured
Key Benefits
All 6 benefits →All spends
1 KTC Forever / ฿25 equiv.
Annual fee
Lifetime free
Income gate
Lower than Signature (~฿15k/mo)
All spends
1 pts/25
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: KTC Visa Platinum product page (2026)
Low income threshold, easy approval
Source: KTC Visa Platinum product page (2026)
All spends
1 KTC Forever / ฿25 equiv.
Annual fee
Lifetime free
Income gate
Lower than Signature (~฿15k/mo)
See worked examples of how points convert to cash value
all — 1 pts per ฿25 spend
You spend
฿5,000
You earn
200 pts
Worth ≈
฿50
@ ฿0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ฿0.25/pt in calculations.
Based on moderate spend for this market
Est. net annual
฿1,950
per year
Annual fee
Free
per year
Effective return
0.7%
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 · ฿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 ฿2,400/year. After the ฿0 annual fee, net value is approximately ฿1,950/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 NOW
3% cashback · First Card / Entry
Best net value on this list — about ฿2,686/yr in your pocket after fees on typical spends.
Bangkok Bank Be Smart
3% cashback · First Card / Entry
Strong runner-up at ฿1,511/yr net — roughly ฿1,175 behind #1 on the same spend mix.
Krungthai Pearl Credit Card
2% · First Card / Entry
Worth a look — ฿930/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
