#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.
Loading…
Age 20–65 · From ฿25,000/mo income · Unsecured
Travel & Miles·SCB
Convert points to Thai and global airline miles.
Age 20–65 · From ฿25,000/mo income · Unsecured
Key Benefits
All 8 benefits →Travel
3 miles/฿25
Other eligible spends
Base earn — see issuer T&Cs
Typical exclusions
Insurance, government, cash advance
Confirm current issuer T&Cs
Travel
3 pts/25
Signup bonus: ฿500 (year 1)
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)
Flights, hotels, zero forex options
Source: Issuer public T&Cs (Thailand, verified Jun 2026)
Travel
3 miles/฿25
Other eligible spends
Base earn — see issuer T&Cs
Typical exclusions
Confirm current issuer T&Cs
Insurance, government, cash advance
See worked examples of how points convert to cash value
travel — 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
฿680
per year
Annual fee
฿1,990
per year
Effective return
0.3%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿1,990 · Forex 2.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿1,990
Annual / renewal fee
Charged every year unless waived
฿1,990
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 ฿3,120/year. After the ฿1,990 annual fee, net value is approximately ฿680/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.
KBank Platinum Plus
3% · Travel & Miles
Strong runner-up at -฿329/yr net — roughly ฿583 behind #1 on the same spend mix.
BBL Platinum Leader
2% · Travel & Miles
Worth a look — -฿680/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
