Updated September 28, 2026 · DebitCue Editorial Team
ICICI Bank Credit Cards vs KTC credit card
ICICI Bank Credit Cards
KTC credit card
Higher score in this comparison
ICICI Bank Credit Cards vs KTC credit card: the differences
| Compare | ICICI Bank Credit CardsReviewVisitVisit | KTC credit cardReviewVisitVisit |
|---|---|---|
| Annual fee | ₹3,500 | THB 0 |
| Currency conversion fee | 3.5% | 2%Lower |
| Rewards rate | 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend | 1 point per 25 baht spend (KTC FOREVER points, no expiry) |
| Perks | Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket | 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 |
Same on both: Rewards type (Points), Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- KTC credit card scores higher overall: 9.1 vs 8.9.
- Founded is lower at ICICI Bank Credit Cards: 1994 vs 1996.
- Currency conversion fee is lower at KTC credit card: 2% vs 3.5%.
- Perks: only ICICI Bank Credit Cards offers Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month.
- Perks: only KTC credit card offers 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.
- Support channels: only ICICI Bank Credit Cards offers Chat.
Our verdict on each
ICICI Bank Credit Cards
ICICI Bank Credit Cards suit Indian card users who want points on spending, lounge access and welcome vouchers. The annual fee of INR 3,500 is the cost to weigh, set against points earned on international and domestic 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 | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| Cost | 8.2Annual fee of INR 3,500 against a credit card median of €0, with 3.5% currency conversion. | 9.0HigherAnnual fee THB 0 and monthly fee THB 0, offset by 2% on conversion |
| Offer | 9.5Higher | 9.3 |
| Trust | 9.1Higher | 9.0 |
Spending 1,000 abroad
ICICI Bank Credit Cards
35
3.5% of 1,000
KTC credit card
20
2% of 1,000
KTC credit card comes out 15 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Availability and regulation
| Country | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| India | Not confirmed |
Additional countries for ICICI Bank Credit Cards: 1. Additional countries for KTC credit card: 1.
If neither fits
eToro has currency conversion fee at 0%, against 3.5% for ICICI Bank Credit Cards and 2% for KTC credit card.
eToro reviewWhere these facts come from
ICICI Bank Credit Cards
- icici.bank.in: 11 facts, checked September 26, 2026
KTC credit card
- ktc.co.th: 12 facts, checked September 26, 2026
- cuelinks.com: 1 fact, checked September 26, 2026
How they place
| Ranking | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| Travel cards | 21 of 443 | 18 of 443 |
| Rewards cards | 8 of 122 | 7 of 122 |
Every fact side by side
| Fact | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| Pricing model | Not confirmed | No annual fee |
| Features | Rewards | Rewards |
| Audience | Not confirmed | Business |
| Legal entity | ICICI Bank Ltd. | Krungthai Card Public Company Limited |
| Headquarters | India | Thailand |
| Founded | 1994Lower | 1996 |
| Support channels | Phone, Help centre, ChatCovers more | Phone, Help centre |
Debit cards
| Fact | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| Monthly fee | Not confirmed | THB 0 |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | ICICI Bank Credit Cards | KTC credit card | Median |
|---|---|---|---|
| Currency conversion fee | 3.5%highest quarter | 2%above the median | 1% |
Median across 312 listed cards.
Pros and cons
ICICI Bank Credit Cards
Pros
- Points on international spend at the top rate of the rewards structure, with a lower rate on domestic spend
- Welcome vouchers from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, plus complimentary lounge and golf visits
- Air accident insurance cover, a fuel surcharge waiver and BookMyShow movie offers bundled with the card
Cons
- The annual fee of INR 3,500 applies even before spending on perks such as lounge visits and vouchers
- A currency conversion fee of 3.5% sits above the credit card median of 1.85%
- The card sits well down the annual fee ranking at 269 of 301
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
ICICI Bank Credit Cards
Who it suits
- Indian residents who want rewards points on everyday and overseas spending
- People who use lounge visits, fuel spend and movie offers often enough to offset the fee
- Card users who want insurance cover attached to the card rather than bought separately
Who should look elsewhere
- Oney Préstamos ES, where the annual fee is €10 and no foreign spend surcharge is listed
- Amwal, where the annual fee is SAR 0
- National Bank of Kuwait Cards, where the annual fee is KWD 30 for a classic credit card
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
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
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 | ICICI Bank Credit Cards | KTC credit card |
|---|---|---|
| India | Yes | No |
| Thailand | No | Yes |
Questions about each
ICICI Bank Credit Cards
What does the ICICI Bank card cost to keep?+
The annual fee is INR 3,500. That fee buys the rewards points, the welcome vouchers from Tata CLiQ and other partners, the lounge and golf visits, and the air accident insurance cover, so it pays back only if those are used.
How much does it cost to spend abroad on this card?+
Currency conversion runs at 3.5%, which is above the credit card median of 1.85%. International spend does earn the highest points rate in the rewards structure, but the conversion fee still applies on top.
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.