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KTC credit card review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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%.

Key facts

Best for
Spending in Thailand on instalments and points with no annual fee
Annual fee
THB 0 (Source, checked September 26, 2026)
Currency conversion fee
2% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
1 point per 25 baht spend (KTC FOREVER points, no expiry) (Source, checked September 26, 2026)
Perks
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 (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Krungthai Card Public Company Limited (Source, checked September 26, 2026)
Headquarters
Thailand (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards
Audience
Business
Official website
ktc.co.th

Debit cards

Monthly fee
THB 0 (Source, checked September 26, 2026)
Currency conversion fee
2% (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Krungthai Card Public Company Limited (Source, checked September 26, 2026)
Headquarters
Thailand (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Rewards
Audience
Business

Pros and cons

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
  • Cash advance up to the full credit limit, plus travel insurance as a card perk

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
KTC credit card

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Scored 9.1 / 10 by DebitCue.

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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

Fees and FX

The annual fee is THB 0 and there is no monthly charge, at THB 0. Both sit at the floor of the site range, where the median annual fee is €0. Foreign spend is the cost to watch: conversion runs at 2%, where the site median is 1% and the top quartile starts at 2.5%. Instalment conversion adds its own charge, set out in the card terms.

The company behind it

The card is issued by Krungthai Card Public Company Limited, headquartered in Thailand and founded in 1996. It is a credit card on the Visa network, aimed mainly at business cardholders, and it is positioned as a no annual fee product. Support runs on phone and help centre, plus a phone line for card queries. Points are handled through the KTC FOREVER programme.

How KTC credit card compares

Where KTC credit card is available

Available
Thailand

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

What rewards do I get and how are they earned?+

The card earns 1 point per 25 baht spend (KTC FOREVER points, no expiry). It is a points card rather than cash back, and points are redeemed at participating merchants through the KTC FOREVER programme, with no expiry on the points themselves.

Can I spread a purchase over instalments?+

Yes. This is a credit card, and instalment plans run at many participating merchants, some of them interest free over longer terms. Other balances can be converted to instalments each month at a stated rate through the KTC app or by phone, over a set term.

What support can I reach if something goes wrong?+

Support runs on phone and help centre, so phone and a help centre are the listed routes. There is also a personal assistant line for cardholders, reachable around the clock, and the card can be used for contactless payments through a mobile wallet.

Who is this credit card aimed at?+

The card is listed for business audiences, and it suits a cardholder in Thailand who spends in baht, wants no annual fee and prefers instalments or points to travel rewards. It is a credit card, so it needs a credit limit and a repayment habit.

Is my money protected and which company issues the card?+

The card is issued by Krungthai Card Public Company Limited, which is based in Thailand and was founded in 1996. As a credit card, the balance is owed to the issuer rather than held as cash, and the card carries travel and accident insurance as perks on the account.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

KTC credit card

KTC credit card

Spending in Thailand on instalments and points with no annual fee

9.1/10Visit