Updated October 17, 2026 · DebitCue Editorial Team
Fyrst vs KTC credit card
Fyrst
KTC credit card
Higher score in this comparison
What sets them apart
| Compare | FyrstReviewVisitVisit | KTC credit cardReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | THB 0 |
| Currency conversion fee | 1.85%Lower | 2% |
| Card network | Mastercard | Visa |
| Card type | Debit | Not confirmed |
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Key differences
- KTC credit card scores higher overall: 9.1 vs 8.9.
- Founded is lower at KTC credit card: 1996 vs 2019.
- Currency conversion fee is lower at Fyrst: 1.85% vs 2%.
- Support channels: only Fyrst offers Email, Chat.
- Features: only Fyrst offers Multi currency.
- Features: only KTC credit card offers Rewards.
Our verdict on each
Fyrst
Fyrst is a German business banking brand from Deutsche Bank AG, built for companies that want a Mastercard debit card with no account charge. Costs stay at €0 a month, though currency conversion of 1.85% bites on every foreign spend.
KTC credit card
KTC's Visa Platinum credit card costs nothing to hold, with an annual fee of THB 0 and no monthly charge of THB 0. It suits Thai cardholders who want instalment plans and points rather than travel rewards, and who spend mostly in baht. Foreign spend costs 2%.
Score breakdown
| Area | Fyrst | KTC credit card |
|---|---|---|
| Cost | 9.0Monthly fee of €0 is the floor, while currency conversion at 1.85% is the cost that carries the score. | 9.0Annual fee THB 0 and monthly fee THB 0, offset by 2% on conversion |
| Offer | 9.9Higher | 9.3 |
| Trust | 8.2 | 9.0Higher |
Licences and countries
Additional countries for Fyrst: 1. Additional countries for KTC credit card: 1.
If neither fits
eToro has currency conversion fee at 0%, against 1.85% for Fyrst and 2% for KTC credit card.
eToro reviewWhere these facts come from
Fyrst
- fyrst.de: 9 facts, checked September 26, 2026
- pitchbook.com: 1 fact, checked September 26, 2026
KTC credit card
- ktc.co.th: 8 facts, checked September 26, 2026
- cuelinks.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Fyrst | KTC credit card |
|---|---|---|
| Credit cards | 27 of 1020 | 24 of 1020 |
| Business debit cards | 10 of 201 | 7 of 201 |
Every fact side by side
| Fact | Fyrst | KTC credit card |
|---|---|---|
| Features | Multi currency | Rewards |
| Audience | Business | Business |
| Legal entity | Deutsche Bank AG | Krungthai Card Public Company Limited |
| Headquarters | Germany | Thailand |
| Founded | 2019 | 1996Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre |
Credit cards
| Fact | Fyrst | KTC credit card |
|---|---|---|
| Annual fee | €0 | THB 0 |
| Rewards type | None | Points |
| Pricing model | No annual fee | No annual fee |
| Rewards rate | Not confirmed | 1 point per 25 baht spend (KTC FOREVER points, no expiry) |
| Perks | Mastercard Business Bonus Program discounts at Booking.com, Rentalcars.com, HubSpot | 0% instalment plans up to 10 months at over 10,000 merchants, 0.74% per month instalment conversion for up to 10 months via KTC Mobile or KTC PHONE, Travel insurance up to 8 million baht, Accident insurance up to 300,000 baht for 90 days for new primary cardholders, Cash advance up to 100% of credit limit, KTC Personal Assistant service 24 hours a day on 02 123 5000, KTC FOREVER points and points redemption at participating merchants, Visa contactless and payments via Google Pay, Garmin Pay, SWATCHPAY |
| Card kind | Not confirmed | Credit |
Where each stands against the rest
| Fact | Fyrst | KTC credit card | Median |
|---|---|---|---|
| Currency conversion fee | 1.85%above the median | 2%above the median | 1% |
Median across 387 listed cards.
Pros and cons
Fyrst
Pros
- Monthly fee of €0 and annual fee of €0, so there is nothing to budget for simply holding the account open
- Multi-currency accounts, which suit companies that invoice customers or pay suppliers in currencies other than the euro day to day
- Support by email, chat and phone, so a phone line, live chat, email and a help centre are all listed as contact options
Cons
- Currency conversion of 1.85% sits above the site median of 1%, so foreign purchases cost more here than on most cards
- The rewards type is none, so card spending earns nothing back beyond the partner discounts listed
- Personal banking is not among its target audience (business), so the offer reaches companies and sole traders only
KTC credit card
Pros
- Annual fee of THB 0 and monthly fee of THB 0, so holding costs nothing
- Instalment plans at participating merchants, with interest-free options over longer terms
- Earning KTC FOREVER points at 1 point per 25 baht spend (KTC FOREVER points, no expiry) with no expiry
Cons
- Foreign currency conversion costs 2%, above the site median of 1%
- Points rather than cash back, redeemable only at participating merchants
- Support runs on phone and help centre only, with no chat or email listed
Who each suits
Fyrst
Who it suits
- Sole traders and limited companies that invoice customers or pay suppliers in euros and in other currencies at the same time
- Businesses that simply want a Mastercard debit card and no annual charge on the account they run every day
- Teams that keep company spending split across several currency balances inside a single business account
Who should look elsewhere
- Anyone chasing cashback or points on spending, since the rewards type is none and a rewards-led card such as Varo Believe Secured Credit Card fits that goal better
- Businesses that pay most bills in sterling or dollars, because currency conversion of 1.85% applies to foreign spend and Wise is set up for lighter conversion costs
- Anyone who wants a credit card, since the card type is debit and Chime Card (Secured Visa Credit Card) sits on the other side
KTC credit card
Who it suits
- Cardholders in Thailand who pay in baht and want no annual fee
- Shoppers who want instalment plans over a longer term
- Points earners who keep balances low and pay in full
Who should look elsewhere
- Frequent foreign spenders, who pay 2% on conversion
- Varo Believe Secured Credit Card, better for building credit from a secured card
- Chime Card, a secured Visa credit card for building a credit record in the US
Current offers
KTC credit card
Current offer
First period offer
KTC X Visa Signature - first year annual fee waiver: 5,000 baht annual fee waived for the first year
Monthly income from 50,000 baht; valid 1 Jan 2026 - 31 Dec 2026
Source, checked September 26, 2026
First period offer
KTC X World Rewards Mastercard - first year annual fee waiver: 5,000 baht annual fee waived for the first year
Monthly income from 50,000 baht; valid 1 Jan 2026 - 31 Dec 2026
Source, checked September 26, 2026
Discount code
PTT Station fuel cashback with KTC credit card: 2 baht cashback per litre
Valid 1 Jul 2026 - 31 Oct 2026
Source, checked September 26, 2026
Bonus
Customer Choice promotion on KTC credit cards: choose cashback up to 2% or points up to 25%
Valid 1 Jul 2026 - 31 Dec 2026
Source, checked September 26, 2026
Country by country
| Country | Fyrst | KTC credit card |
|---|---|---|
| Germany | Yes | No |
| Thailand | No | Yes |
Questions about each
Fyrst
How much does a Fyrst account cost each month?+
The monthly fee is €0 and the annual fee is €0, so holding the account costs nothing. That matches the site median of €0, and Fyrst ranks 1 of 419 brands on monthly fee.
What does Fyrst charge to convert currency?+
Conversion costs 1.85% on foreign spend. That is above the debit card median of 1% and below the 2.5% mark, so euro spending stays cheapest and other currencies add up quickly.
KTC credit card
Is there an annual fee on this KTC credit card?+
No. The annual fee is THB 0 and the monthly fee is THB 0, so there is no holding cost to clear. The card sits in the site's no annual fee group, where the median annual fee is €0.
What does it cost to spend in another currency?+
Conversion runs at 2%, which is above the site median of 1%. Spending outside Thailand therefore costs more than spending in baht, and cardholders who travel often pay it on every transaction that is not settled in baht.