#1฿2,310/yr
BBL Platinum Leader
2% · Travel & Miles
Best net value on this list — about ฿2,310/yr in your pocket after fees on typical spends.
Age 20–65 · From ฿30,000/mo income · Unsecured
Travel & Miles·UOB
Thailand PRIVI Miles — earn UOB Rewards for KrisFlyer / ROP and travel packages.
Age 20–65 · From ฿30,000/mo income · Unsecured
Key Benefits
All 9 benefits →Travel
Boosted UOB Rewards (modeled 2X)
Other spends
1X UOB Rewards
Redemption
KrisFlyer / ROP / travel packages
All spends
1.67 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: UOB PRIVI Miles page — Y2 ฿4,000, waiver ฿300,000; base ฿15 = 1 point
Flights, hotels, zero forex options
Source: UOB PRIVI Miles page — Y2 ฿4,000, waiver ฿300,000; base ฿15 = 1 point
Travel
Boosted UOB Rewards (modeled 2X)
Other spends
1X UOB Rewards
Redemption
KrisFlyer / ROP / travel packages
Fee waiver at
฿300,000 annual spend
Lounge access
Airport lounge via redemption pathways (not complimentary)
Spend criteria: Minimum spend required — see issuer T&Cs for current threshold
See worked examples of how points convert to cash value
all — 1.67 pts per ฿25 spend
You spend
฿5,000
You earn
334 pts
Worth ≈
฿116.90
@ ฿0.35/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ฿0.35/pt in calculations.
Based on moderate spend for this market
Est. net annual
฿1,053
per year
Annual fee
฿4,000
per year
Effective return
0.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿4,000 · Forex 3.1% on international transactions — tap for full fees
Joining fee
Charged in first year
฿4,000
Annual / renewal fee
Waived on ฿300,000 annual spend
฿4,000
Forex markup
3.1% 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 · ฿30,000/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 ฿5,611/year. After the ฿4,000 annual fee, net value is approximately ฿1,053/year. Use the calculator above to model your own spends.
฿30,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
BBL Platinum Leader
2% · Travel & Miles
Best net value on this list — about ฿2,310/yr in your pocket after fees on typical spends.
KBank Platinum Plus
1 point per ฿25 · Travel & Miles
Strong runner-up at ฿1,950/yr net — roughly ฿360 behind #1 on the same spend mix.
KTC World Rewards Mastercard
3% · Travel & Miles
Worth a look — ฿254/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
