Krungsri Signature review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Krungsri Signature fits people with excellent credit who spend on airline, hotel and department store purchases and want travel perks on the points. Its APR of 16% sits under the site median of 20.97%, which makes it a cheaper way to borrow than the typical card here.
Key facts
- Best for
- A Signature credit card for high-spending travellers in Thailand with excellent credit.
- Annual fee
- THB 4,280 (Source, checked September 26, 2026)
- APR
- 16% (Source, checked September 26, 2026)
- Currency conversion fee
- 2.5% (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Rewards rate
- 5x Krungsri Points at participating department stores and airline/hotel spend; 1 point per 25 baht; 1 mile per 2 points (Source, checked September 26, 2026)
- Credit needed
- Excellent (Source, checked September 26, 2026)
- Perks
- Dragonpass Lounge access, 1 mile per 2 Krungsri Points, Premium Dining privileges, Up to 25% discount at participating restaurants, Up to 50% discount at participating hotels, 50% off Emirates at Dubai Mall Cinemas, Afternoon tea set for two, Travel accident insurance up to THB 20 million, Zero Liability lost-card protection, 50-day interest-free period on purchases and services, Up to 4 supplementary cards, Every 1,000 Krungsri Points worth THB 100 discount voucher at 10,000+ outlets, Signature Assistance private assistant service (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Krungsri Card Co., Ltd. (Source, checked September 26, 2026)
- Headquarters
- Thailand (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
- Official website
- krungsricard.com
Debit cards
- Monthly fee
- THB 0 to THB 4,280 (Source, checked September 26, 2026)
- Currency conversion fee
- 2.5% (Source, checked September 26, 2026)
- Cashback rate
- 5% (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- Krungsri Card Co., Ltd. (Source, checked September 26, 2026)
- Headquarters
- Thailand (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- m.me
Pros and cons
Pros
- The rewards rate lifts points on participating department store and airline or hotel spend, and points convert to miles.
- The listed benefits (Dragonpass Lounge access, 1 mile per 2 Krungsri Points and Premium Dining privileges) lean heavily on travel, from lounge access and restaurant and hotel discounts to travel accident insurance and Zero Liability lost-card protection.
- It sits on the visa network, the most common one here at 58.6%, and adds an interest-free period on purchases and services.
Cons
- Applying needs excellent credit, and only 5.7% of cards on the site ask for that band.
- Foreign currency purchases cost 2.5%, above the 1% median across cards on the site.
- Support runs on phone and help centre only.
Who it suits
- People with excellent credit who want lounge access, dining perks and miles alongside points.
- Travellers spending at participating airlines, hotels and department stores in Thailand.
- Cardholders who want travel accident insurance and lost-card protection on a credit card rather than a debit product.
Who should look elsewhere
- Anyone wanting a card with no annual fee at all: Varo Believe Secured Credit Card has an annual fee of $0.
- Frequent overseas spenders, since 2.5% applies to conversion here, while Wise lists an annual fee of £0.
- Shoppers who put holding cost above lounge and dining perks: Chime Card (Secured Visa Credit Card) has an annual fee of $0 and a different benefit set.
Who runs it
Krungsri Signature is issued by Krungsri Card Co., Ltd., a card issuer based in Thailand and supervised there by the Bank of Thailand. Support runs on phone and help centre, so a cardholder can call or work through the help centre. The issuer operates as a card company rather than a general bank, and the card is a credit product issued under that supervision.
How Krungsri Signature compares
9.0 vs 9.4
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Where Krungsri Signature is available
- Available
- Thailand
- Licence in Thailand
- Bank of Thailand, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Krungsri Signature cost to hold?+
The annual fee is THB 4,280. A monthly fee is also listed and it runs THB 0 to THB 4,280, so the charge can appear in monthly instalments. Across cards on the site the annual fee median is €0, which places this one near the expensive end.
What interest would I pay, and is there an interest-free window?+
The APR is 16%, below the 20.97% median APR across cards on the site and under the 25.64% upper quartile. The card also carries an interest-free period on purchases and services, so balances cleared inside that window cost nothing extra.
How do I earn rewards on this card?+
Rewards come as points, and the card carries a 5% cashback rate. The rewards rate boosts points at participating department stores and on airline or hotel spend, awards points on everyday purchases, and turns points into miles for flights.
Is the card worth having for travel spending?+
On benefits, yes. It is a credit card on the visa network, and the listed benefits cover lounge access, restaurant and hotel discounts, afternoon tea, travel accident insurance, Zero Liability lost-card protection and a private assistant service, plus miles from points.
How much does it cost to spend in another currency?+
Conversion costs 2.5% on foreign currency purchases, against a 1% median across cards on the site and a 2.5% upper quartile. Cardholders who pay in baht mostly and travel now and then will feel that rate least.
What credit history do I need?+
The card needs excellent credit, its excellent rating. Only 5.7% of cards on the site carry that requirement, so most are open to good or fair credit instead, and those applicants will find this one harder to get.
Who runs the card, and how do I get help?+
The issuer is Krungsri Card Co., Ltd., based in Thailand under Bank of Thailand supervision. Support runs on phone and help centre, which is phone and the help centre. The help centre is the most common support route on the site at 75.6%.
Sources
- krungsricard.com/en/product/creditcard/krungsri-signature checked September 26, 2026
Backs: Cashback rate, Monthly fee, Card network
“Get up to 5% cashback at participating Bangchak gas stations”
- krungsricard.com/th/product/creditcard/krungsri-signature checked September 26, 2026
Backs: Annual fee, APR, Card kind, Credit needed, Features, Currency conversion fee, Legal entity, Perks, Rewards rate, Rewards type, Support channels
“Krungsri Signature credit card: annual fee 4,280 baht is waived in the first year (including 7% VAT), and in following years if cumulative spend is 300,000 baht or more per 12 billing cycles”
- krungsricard.com/th/regulation-new-interest-rate checked September 26, 2026
Backs: Headquarters, Licences
“credit card interest, service charges and penalties under the regulation of the Bank of Thailand”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Krungsri Signature
A Signature credit card for high-spending travellers in Thailand with excellent credit.