Best Credit Card for Dining in Thailand (2026)
Find the best Thailand credit card for dining. Honest net value after fees. 6 dining cards compared on fees, caps, and net returns for 2026. 6 dining cards compared on fees, caps, and net returns for 2026.
Updated 6 October 2026·6 cards · 5 min scan·CardHungry
Top pick · KBank X
Net / yr
฿6,991
Annual fee
฿599
Return
2.5%
Top picks
Net annual value · moderate spend
Number one pick: KBank X, ฿6,991 per year net
KBank X
KBank
Net / yr
฿6,991
Fee
฿599
Top
Up to 10%
- ✓Best net value on this list — about ฿6,991/yr in your pocket after fees on typical spends.
- ✓Best for dining — Up to 10%, up to ฿1,000/mo cashback.
SCB FIRST
SCB
Net / yr
฿3,870
Fee
Free
Top
3% cashback
- ✓Strong runner-up at ฿3,870/yr net — roughly ฿3,121 behind #1 on the same spend mix.
- ✓Best for travel — 3% cashback, up to ฿6,000/mo spend.
KBank X
KBank
Net / yr
฿6,991
Fee
฿599
Top
Up to 10%
- ✓Best net value on this list — about ฿6,991/yr in your pocket after fees on typical spends.
- ✓Best for dining — Up to 10%, up to ฿1,000/mo cashback.
SCB M LIFESTYLE
SCB
Net / yr
฿3,591
Fee
฿999
Top
Up to 5%
- ✓Worth a look — ฿3,591/yr net, still ahead of 3 other eligible cards.
- ✓Best for dining/shopping — Up to 5%.
Why #2–#6 rank here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at ฿3,870/yr net — roughly ฿3,121 behind #1 on the same spend mix.
- Best for travel — 3% cashback, up to ฿6,000/mo spend.
- No annual fee — what you earn isn't eaten by membership cost.
2SCB FIRSTSCB
- Strong runner-up at ฿3,870/yr net — roughly ฿3,121 behind #1 on the same spend mix.
- Best for travel — 3% cashback, up to ฿6,000/mo spend.
- No annual fee — what you earn isn't eaten by membership cost.
Full review →Net / yr
฿3,870
- Worth a look — ฿3,591/yr net, still ahead of 3 other eligible cards.
- Best for dining/shopping — Up to 5%.
- Rewards (฿5,040/yr) still beat the ฿999 fee on this profile.
3SCB M LIFESTYLESCB
- Worth a look — ฿3,591/yr net, still ahead of 3 other eligible cards.
- Best for dining/shopping — Up to 5%.
- Rewards (฿5,040/yr) still beat the ฿999 fee on this profile.
Full review →Net / yr
฿3,591
- #4 here with ฿3,105/yr net (~1.13% back on your spends).
- Best for dining/shopping — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
4Krungsri LadyKrungsri
- #4 here with ฿3,105/yr net (~1.13% back on your spends).
- Best for dining/shopping — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
Full review →Net / yr
฿3,105
- #5 here with ฿2,562/yr net (~0.93% back on your spends).
- Best for annual fee — ฿2,000 + VAT ฿140.
- Fee likely waived if you spend ฿60,000/yr — worth it on moderate usage.
5UOB ONE Card (Thailand)UOB
- #5 here with ฿2,562/yr net (~0.93% back on your spends).
- Best for annual fee — ฿2,000 + VAT ฿140.
- Fee likely waived if you spend ฿60,000/yr — worth it on moderate usage.
Full review →Net / yr
฿2,562
- #6 here with ฿562/yr net (~0.2% back on your spends).
- Best for dining — Up to 3%, up to ฿500/mo.
- Rewards (฿3,120/yr) still beat the ฿2,000 fee on this profile.
6UOB YOLO PlatinumUOB
- #6 here with ฿562/yr net (~0.2% back on your spends).
- Best for dining — Up to 3%, up to ฿500/mo.
- Rewards (฿3,120/yr) still beat the ฿2,000 fee on this profile.
Full review →Net / yr
฿562
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Best net value on this list — about ฿6,991/yr in your pocket after fees on typical spends.
- Best for dining — Up to 10%, up to ฿1,000/mo cashback.
- Rewards (฿8,040/yr) still beat the ฿599 fee on this profile.
1KBank XKBank
- Best net value on this list — about ฿6,991/yr in your pocket after fees on typical spends.
- Best for dining — Up to 10%, up to ฿1,000/mo cashback.
- Rewards (฿8,040/yr) still beat the ฿599 fee on this profile.
Full review →Net / yr
฿6,991
- Strong runner-up at ฿3,870/yr net — roughly ฿3,121 behind #1 on the same spend mix.
- Best for travel — 3% cashback, up to ฿6,000/mo spend.
- No annual fee — what you earn isn't eaten by membership cost.
2SCB FIRSTSCB
- Strong runner-up at ฿3,870/yr net — roughly ฿3,121 behind #1 on the same spend mix.
- Best for travel — 3% cashback, up to ฿6,000/mo spend.
- No annual fee — what you earn isn't eaten by membership cost.
Full review →Net / yr
฿3,870
- Worth a look — ฿3,591/yr net, still ahead of 3 other eligible cards.
- Best for dining/shopping — Up to 5%.
- Rewards (฿5,040/yr) still beat the ฿999 fee on this profile.
3SCB M LIFESTYLESCB
- Worth a look — ฿3,591/yr net, still ahead of 3 other eligible cards.
- Best for dining/shopping — Up to 5%.
- Rewards (฿5,040/yr) still beat the ฿999 fee on this profile.
Full review →Net / yr
฿3,591
- #4 here with ฿3,105/yr net (~1.13% back on your spends).
- Best for dining/shopping — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
4Krungsri LadyKrungsri
- #4 here with ฿3,105/yr net (~1.13% back on your spends).
- Best for dining/shopping — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
Full review →Net / yr
฿3,105
- #5 here with ฿2,562/yr net (~0.93% back on your spends).
- Best for annual fee — ฿2,000 + VAT ฿140.
- Fee likely waived if you spend ฿60,000/yr — worth it on moderate usage.
5UOB ONE Card (Thailand)UOB
- #5 here with ฿2,562/yr net (~0.93% back on your spends).
- Best for annual fee — ฿2,000 + VAT ฿140.
- Fee likely waived if you spend ฿60,000/yr — worth it on moderate usage.
Full review →Net / yr
฿2,562
- #6 here with ฿562/yr net (~0.2% back on your spends).
- Best for dining — Up to 3%, up to ฿500/mo.
- Rewards (฿3,120/yr) still beat the ฿2,000 fee on this profile.
6UOB YOLO PlatinumUOB
- #6 here with ฿562/yr net (~0.2% back on your spends).
- Best for dining — Up to 3%, up to ฿500/mo.
- Rewards (฿3,120/yr) still beat the ฿2,000 fee on this profile.
Full review →Net / yr
฿562
Net value snapshot
Rewards minus annual fee on your spend profile
- #1KBank X฿6,991#1KBank X฿6,991
- #2SCB FIRST฿3,870#2SCB FIRST฿3,870
- #3SCB M LIFESTYLE฿3,591#3SCB M LIFESTYLE฿3,591
- #4Krungsri Lady฿3,105#4Krungsri Lady฿3,105
- #5UOB ONE Card (Thailand)฿2,562#5UOB ONE Card (Thailand)฿2,562
Before you apply
Net value beats headline rates
Subtract annual fees and check category caps before comparing advertised cashback.
Match your spend mix
The best card for groceries is rarely the best card for travel — pick for your top categories.
Apply strategically
One well-chosen application beats multiple NCB enquiries in the same month.
Frequently asked questions
Which credit card is best for dining in Thailand?+
No single winner — it depends on monthly dining spend, caps, and fee structure. This guide compares 6+ cards by net annual value.
Are reward caps important for dining cards?+
Critical. A high rate with a low cap often loses to a lower unlimited rate. Always convert caps to absolute annual currency.
Do dining cards work with wallets and QR payments?+
Often not. Wallet loads, rent, EMI, and government payments are commonly excluded. Check issuer MCC exclusions before applying.
Can I hold multiple dining cards?+
Yes, but one primary dining card plus a general-purpose backup is usually optimal. Diminishing returns after that.
Will CardHungry spam me after I apply?+
No. Zero outbound sales calls. Optional email updates capped at 2 messages. One-click unsubscribe.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Looking for the best credit card for dining in Thailand? Generic top-10 listicles ignore your income, monthly caps, excluded MCCs, and whether you can actually get approved. This CardHungry guide analyses 6 leading cards with reward rules, net annual value across three spend profiles, exclusions, and who each card suits best — updated June 2026.
Dining cards accelerate rewards on restaurants, food delivery, and entertainment — but monthly caps and MCC coding matter. A card advertising 5X dining points only wins if your Grab Food, LINE MAN, and restaurant spends actually qualify.
On this page
What matters for dining cards
- Effective rate after caps — divide annual cap by annual spend to get true yield.
- Category MCC coding — some merchants classify as "general" not "dining".
- Partner lock-in — co-brand cards only win at specific merchants.
- Annual fee breakeven — fee must be recovered from dining rewards alone or cross-category value.
- Stacking rules — most issuers forbid combining offers; read T&Cs.
Annual fee breakeven example
If a card charges ฿999/year and offers 5% on dining with a ฿5,000/month cap, maximum dining rewards = ฿6,000/year. Net after fee = ฿5,001 — but only if you actually hit the cap every month. Partial spends reduce this sharply.
Net value by spend profile
| Card | Light spender | Moderate | Heavy |
|---|---|---|---|
| KBank X | ฿2,851 | ฿6,991 | ฿17,581 |
| SCB FIRST | ฿1,650 | ฿3,870 | ฿8,580 |
| SCB M LIFESTYLE | ฿1,071 | ฿3,591 | ฿9,981 |
| Krungsri Lady | ฿1,455 | ฿3,105 | ฿7,350 |
| UOB ONE Card (Thailand) | ฿1,194 | ฿2,562 | ฿5,580 |
Net annual value after annual fee and estimated forex. Caps applied per issuer T&Cs.
Top dining credit cards — full breakdown
1. KBank X
Issuer: KBank · Tier: Gold · Annual fee: ฿599 · Signup bonus: ฿500
Everyday cashback card
Eligibility snapshot
- Min monthly income (salaried): ฿15,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. NCB checked by bank at application, not by CardHungry.
Reward structure
- dining: 10% cashback — cap ฿1,000/month
- online shopping: 5% cashback — cap ฿1,000/month
- all: 1% cashback
Headline highlight: Up to 10% on Dining (cap ฿1,000/mo cashback)
Net value estimate (moderate spend profile)
- Gross annual rewards: ฿8,040
- Annual fee: −฿599
- Forex markup cost (est.): −฿450 (2.5% on international spends)
- Net annual value: ฿6,991 (2.53% effective return)
Key benefits
- Up to 10% cashback
- Dining & online bonus
- Fee waiver on spend
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Cash advance, Bill payment fees.
Best for: KBank customers · Online shoppers
Read full KBank X review with spend simulator →
2. SCB FIRST
Issuer: SCB · Tier: Platinum · Annual fee: Lifetime free
SCB affluent banking
Eligibility snapshot
- Min monthly income (salaried): ฿50,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- travel: 3% cashback — cap ฿6,000/month
- dining: 2% cashback
- all: 1.5% cashback
Headline highlight: 3% cashback on Travel (cap ฿6,000/mo spend)
Net value estimate (moderate spend profile)
- Gross annual rewards: ฿4,320
- Annual fee: −฿0
- Forex markup cost (est.): −฿450 (2.5% on international spends)
- Net annual value: ฿3,870 (1.4% effective return)
Key benefits
- First lounge network
- Dedicated RM
- Premium dining
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Cash advance, Bill payment fees.
Best for: SCB First banking customers · Premium lounge seekers
Read full SCB FIRST review with spend simulator →
3. SCB M LIFESTYLE
Issuer: SCB · Tier: Gold · Annual fee: ฿999 · Signup bonus: ฿300
Shopping & lifestyle rewards
Eligibility snapshot
- Min monthly income (salaried): ฿20,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- dining: 5% cashback — cap ฿1,500/month
- online shopping: 3% cashback
- all: 1% cashback
Headline highlight: Up to 5% on Dining/shopping
Net value estimate (moderate spend profile)
- Gross annual rewards: ฿5,040
- Annual fee: −฿999
- Forex markup cost (est.): −฿450 (2.5% on international spends)
- Net annual value: ฿3,591 (1.3% effective return)
Key benefits
- Central group privileges
- Dining discounts
- Shopping points
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Cash advance, Bill payment fees.
Best for: Lifestyle spenders
Read full SCB M LIFESTYLE review with spend simulator →
4. Krungsri Lady
Issuer: Krungsri · Tier: Gold · Annual fee: Lifetime free · Signup bonus: ฿300
Lifestyle & wellness
Eligibility snapshot
- Min monthly income (salaried): ฿18,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- dining: 5% cashback — cap ฿1,000/month
- online shopping: 3% cashback
Headline highlight: 5% on Dining/shopping
Net value estimate (moderate spend profile)
- Gross annual rewards: ฿3,600
- Annual fee: −฿0
- Forex markup cost (est.): −฿495 (2.75% on international spends)
- Net annual value: ฿3,105 (1.13% effective return)
Key benefits
- Beauty & wellness perks
- Shopping installments
- Dining discounts
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Cash advance, Bill payment fees.
Best for: Lifestyle & wellness
Read full Krungsri Lady review with spend simulator →
5. UOB ONE Card (Thailand)
Issuer: UOB · Tier: Gold · Annual fee: ฿2,000
UOB cashback flagship
Eligibility snapshot
- Min monthly income (salaried): ฿30,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- dining: 3% cashback — cap ฿500/month
- all: 1% cashback
Headline highlight: ฿2,000 + VAT ฿140 on Annual fee
Net value estimate (moderate spend profile)
- Gross annual rewards: ฿3,120
- Annual fee: −฿0
- Forex markup cost (est.): −฿558 (3.1% on international spends)
- Net annual value: ฿2,562 (0.93% effective return)
Key benefits
- Year 1 free; ฿2,000 + VAT from year 2
- Waived at ฿60,000 over 12 statement cycles
- Supplementary ฿1,000 + VAT
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Cash advance, Bill payment fees.
Best for: Everyday cashback
Read full UOB ONE Card (Thailand) review with spend simulator →
6. UOB YOLO Platinum
Issuer: UOB · Tier: Platinum · Annual fee: ฿2,000
Legacy YOLO (→ One)
Eligibility snapshot
- Min monthly income (salaried): ฿30,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- dining: 3% cashback — cap ฿500/month
- all: 1% cashback
Headline highlight: Up to 3% on Dining (cap ฿500/mo)
Net value estimate (moderate spend profile)
- Gross annual rewards: ฿3,120
- Annual fee: −฿2,000
- Forex markup cost (est.): −฿558 (3.1% on international spends)
- Net annual value: ฿562 (0.2% effective return)
Key benefits
- Legacy lifestyle cashback
- Transitioned to UOB One (Apr 2025)
- Watsons / dining history
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Cash advance, Bill payment fees.
Best for: Legacy YOLO holders
Read full UOB YOLO Platinum review with spend simulator →
Common dining card mistakes
- Choosing a partner card when you split spends across merchants.
- Ignoring wallet-load exclusions (PhonePe/Paytm loads often earn zero).
- Paying annual fee without hitting fee-waiver spend threshold.
- Assuming surcharge waiver equals reward rate (fuel cards).
Compare before you apply
Headline rates mislead. Compare your top two picks side-by-side or use the 2-minute quiz for a ranked shortlist including cards you may not have considered.
Disclaimer
Reward rates, caps, and fees sourced from issuer public T&Cs as of June 2026. CardHungry is a third-party platform — not a bank, not a credit bureau. Approval not guaranteed. We earn commission if approved — at no cost to you. Zero sales calls.
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or take CardHungry's quiz — no NCB pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.