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Compare over 280 credit cards from every bank in Thailand, sourced from the Bank of Thailand. Find the one that fits your lifestyle.

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288 cards
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Bank of Thailand
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Browse by reward type

Cashback

Earn cash back on every purchase

31 cardsView

Points

Collect points for rewards and discounts

214 cardsView

Miles

Rack up travel miles worldwide

19 cardsView

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บัตรกรุงไทยกสิกรไทยยูโอบีอิออน ธนสินทรัพย์ซิตี้แบงก์กรุงเทพบัตรกรุงศรีอยุธยาไอซีบีซี (ไทย)คาร์ด เอกซ์ทหารไทยธนชาตออมสินธนาคารแห่งประเทศจีน (ไทย)อเมริกัน เอ็กซ์เพรสเจเนอรัล คาร์ด เซอร์วิสเซสอยุธยา แคปปิตอล เซอร์วิสเซสโลตัสส์ มันนี่ เซอร์วิสเซสView all banks

Featured cards

KTC-KRUNGTHAI ICONIC
บัตรกรุงไทย
KTC-KRUNGTHAI ICONIC
KTC-KRUNGTHAI PRECIOUS+
บัตรกรุงไทย
KTC-KRUNGTHAI PRECIOUS+
KTC-KRUNGTHAI PRIVATE BANKING
บัตรกรุงไทย
KTC-KRUNGTHAI PRIVATE BANKING
SCB PRIME
คาร์ด เอกซ์
SCB PRIME
SCB PRIVATE BANKING
คาร์ด เอกซ์
SCB PRIVATE BANKING
SCR FIRST
คาร์ด เอกซ์
SCR FIRST
ttb reserve infinite
ทหารไทยธนชาต
ttb reserve infinite
ttb reserve signature
ทหารไทยธนชาต
ttb reserve signature

About credit cards

There is no single "best" credit card — only the card that fits how you actually spend. If most of your spending is fuel and dining, a cashback card usually wins; if you fly often, a miles card or one with lounge access may be worth more. What matters is not the headline promotion but the annual fee, the conditions for waiving it, and the minimum income the bank requires.

CheckDi compiles credit cards from banks and issuers across Thailand using the Bank of Thailand's public product data, so you can compare fees, rewards and conditions side by side in one place, free of charge.

How to choose a credit card

  • Start from how you actually spend — look back over two or three months, find your biggest categories, then pick a card that pays well in those.
  • Read the caps — cashback is often capped per statement cycle, so a high advertised rate can be worth much less in practice.
  • Check the annual fee and how it is waived — many cards are free in year one and waived later if you spend above a set amount.
  • Check the minimum income before applying, to reduce the chance of rejection — applying too often can affect your credit record.
  • If you expect to pay in instalments, judge the card on its interest rate and fees rather than its perks; interest will outweigh the rewards.
  • Interest-free days affect cash flow — longer gives you more time before full payment is due, but only helps if you clear the balance in full each cycle.

Frequently asked questions

Cashback, points or miles — which is better?
It depends on your spending. Cashback is the easiest to value and use immediately, which suits everyday spending. Points are more flexible because they can be redeemed in several ways. Miles often deliver the highest value per baht if you travel regularly and redeem well — but if you rarely fly, miles can expire before you use them.
Do I have to pay the annual fee?
Many cards waive the fee in the first year, and waive it later if your spending meets the bank's threshold; some have no annual fee at all. Judge the fee together with the waiver terms — a card with a fee whose benefits match your life can be better value than a free card whose perks you never use.
How important is the minimum income, and what if I am rejected?
Minimum income is the bank's first screen — if you are below it, approval is much less likely. Banks also weigh your credit history and existing debt. Applying for several cards in a short period can count against you, so apply first to the one you most clearly qualify for.
What are interest-free days?
It is the window between a purchase and the payment due date during which no interest is charged. Pay the statement in full each cycle and you pay no interest at all. Pay only part of it and interest is typically charged from the transaction date, not just on the remaining balance.
Is it a good idea to hold several credit cards?
Holding several lets you use the best-earning card per category and spreads your credit line, but it costs multiple annual fees and means tracking several due dates, which raises the risk of a missed payment. If you are unsure, one card matched to your main spending is easier to manage.

Choosing a credit card that fits your lifestyle helps you get the most value from your monthly spending. CheckDi compiles credit card data from the Bank of Thailand (BOT), covering entrance fees, annual fees, minimum income, interest-free periods, and rewards — cashback, points, or miles — so you can compare and pick the most worthwhile card with ease, free of charge.