#1฿515/yr
Krungsri HP Platinum
5% · Shopping Partners
Wins this head-to-head — about ฿515/yr net after fees on typical spends.
Age 20–65 · From ฿50,000/mo income · Unsecured
Shopping Partners·KTC
฿5,000 fee (Y1 waived) that converts to Forever points — best if you clear the ฿600k waiver.
Age 20–65 · From ฿50,000/mo income · Unsecured
Key Benefits
All 7 benefits →Dining
3X Forever (when fee paid)
Online shopping
3X Forever (when fee paid)
Annual fee
฿5,000
Y1 waived; ฿600k spend waiver
Dining
3 pts/25
High annual fee — may not pay off at moderate spend
At ฿23,000/mo, net value is -฿1,130/yr after fees. It turns positive around ฿29,712/mo — and at heavy spend (฿56,000/mo) we estimate ฿4,540/yr.
Model your spends in the calculator →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 X Visa Signature product page (2026)
Amazon, Flipkart & co-branded accelerators
Source: KTC X Visa Signature product page (2026)
Dining
3X Forever (when fee paid)
Online shopping
3X Forever (when fee paid)
Annual fee
Y1 waived; ฿600k spend waiver
฿5,000
See worked examples of how points convert to cash value
dining — 3 pts per ฿25 spend
You spend
฿5,000
You earn
600 pts
Worth ≈
฿150
@ ฿0.25/point
online shopping — 3 pts per ฿25 spend
You spend
฿5,000
You earn
600 pts
Worth ≈
฿150
@ ฿0.25/point
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
-฿1,130
per year
Annual fee
฿5,000
per year
Effective return
-0.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿5,000 · Forex 2.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿5,000
Annual / renewal fee
Charged every year unless waived
฿5,000
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 ฿4,320/year. After the ฿5,000 annual fee, net value is approximately -฿1,130/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.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
