#1฿254/yr
KTC World Rewards Mastercard
3% · Travel & Miles
Best net value on this list — about ฿254/yr in your pocket after fees on typical spends.
Age 20–65 · From ฿25,000/mo income · Unsecured
Travel & Miles·CardX
SCB Miles successor under CardX — earn miles on everyday spends and transfer to airline partners.
Age 20–65 · From ฿25,000/mo income · Unsecured
Key Benefits
All 9 benefits →All spends
1 PointX per ฿25
Annual fee
฿3,000
Waived at ฿300,000/year
Typical exclusions
Insurance, government, cash advance
Confirm current issuer T&Cs
All spends
1 pts/25
Signup bonus: ฿500 (year 1)
High annual fee — may not pay off at moderate spend
At ฿23,000/mo, net value is -฿570/yr after fees. It turns positive around ฿24,999/mo — and at heavy spend (฿56,000/mo) we estimate ฿5,700/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: CardX fee PDF 28 May 2025 — MY TRAVEL ฿3,000, flat 1 POINTX/฿25
Flights, hotels, zero forex options
Source: CardX fee PDF 28 May 2025 — MY TRAVEL ฿3,000, flat 1 POINTX/฿25
All spends
1 PointX per ฿25
Annual fee
Waived at ฿300,000/year
฿3,000
Typical exclusions
Confirm current issuer T&Cs
Insurance, government, cash advance
Fee waiver at
฿300,000 annual spend
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 ≈
฿60
@ ฿0.30/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ฿0.30/pt in calculations.
Based on moderate spend for this market
Est. net annual
-฿570
per year
Annual fee
฿3,000
per year
Effective return
-0.2%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿3,000 · Forex 2.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿3,000
Annual / renewal fee
Waived on ฿300,000 annual spend
฿3,000
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 · ฿25,000/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 ฿2,880/year. After the ฿3,000 annual fee, net value is approximately -฿570/year. Use the calculator above to model your own spends.
฿25,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
KTC World Rewards Mastercard
3% · Travel & Miles
Best net value on this list — about ฿254/yr in your pocket after fees on typical spends.
Standard Chartered Journey
3% · Travel & Miles
Strong runner-up at -฿1,010/yr net — roughly ฿1,264 behind #1 on the same spend mix.
KBank JCB Platinum
Boosted K Point (modeled 2X) · Travel & Miles
Worth a look — -฿1,793/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
