#1-฿697/yr
UOB Premier
5% · Travel & Miles
Best net value on this list — about -฿697/yr in your pocket after fees on typical spends.
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Age 20–65 · From ฿50,000/mo income · Unsecured
Travel & Miles·KTC
No annual fee — earn KTC Forever that never expire, with occasional FX point boosts.
Age 20–65 · From ฿50,000/mo income · Unsecured
Key Benefits
All 6 benefits →International
2X KTC Forever (modeled)
Other spends
1 Forever / ฿25 equiv.
Annual fee
Lifetime free
Miracle Lounge 2×/year
Overseas
2 pts/150
High annual fee — may not pay off at moderate spend
At ฿23,000/mo, net value is -฿20/yr after the ฿0 annual fee. At modeled spend levels, rewards alone may not cover the fee — this card is for lounge, travel, and lifestyle perks more than raw cashback math.
Model your spends in the calculator →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: KTC Visa Signature product page (2026)
Flights, hotels, zero forex options
Source: KTC Visa Signature product page (2026)
International
2X KTC Forever (modeled)
Other spends
1 Forever / ฿25 equiv.
Annual fee
Miracle Lounge 2×/year
Lifetime free
See worked examples of how points convert to cash value
international — 2 pts per ฿150 spend
You spend
฿5,000
You earn
67 pts
Worth ≈
฿16.67
@ ฿0.25/point
all — 1 pts per ฿150 spend
You spend
฿5,000
You earn
33 pts
Worth ≈
฿8.33
@ ฿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
-฿20
per year
Annual fee
Free
per year
Effective return
-0.0%
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 · ฿50,000/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 ฿430/year. After the ฿0 annual fee, net value is approximately -฿20/year. Use the calculator above to model your own spends.
฿50,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
UOB Premier
5% · Travel & Miles
Best net value on this list — about -฿697/yr in your pocket after fees on typical spends.
Bangkok Bank M PRESTIGE
5% · Travel & Miles
Strong runner-up at -฿1,110/yr net — roughly ฿413 behind #1 on the same spend mix.
HSBC Premier World Mastercard
3% · Travel & Miles
Worth a look — -฿2,244/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
