Updated September 28, 2026 · DebitCue Editorial Team
KTC credit card vs N26 Go
KTC credit card
Higher score in this comparison
N26 Go
Where KTC credit card and N26 Go differ
| Compare | KTC credit cardReviewVisitVisit | N26 GoReviewVisitVisit |
|---|---|---|
| Annual fee | THB 0 | €118.80 |
| Currency conversion fee | 2% | 0%Lower |
| Rewards type | Points | Cashback |
| Rewards rate | 1 point per 25 baht spend (KTC FOREVER points, no expiry) | 1% while traveling outside EEA, Switzerland, UK for up to 12 months |
| 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 | Travel insurance, Airport lounge access, Dedicated phone support, Free ATM withdrawals worldwide |
| Cashback rate | Not confirmed | 1% |
| Card kind | Credit | Not confirmed |
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Key differences
- KTC credit card scores higher overall: 9.1 vs 9.0.
- Founded is lower at KTC credit card: 1996 vs 2013.
- Currency conversion fee is lower at N26 Go: 0% vs 2%.
- 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.
- Perks: only N26 Go offers Travel insurance, Airport lounge access, Dedicated phone support.
- Features: only KTC credit card offers Rewards.
- Features: only N26 Go offers Travel, Virtual card.
- Audience: only N26 Go offers Kids.
Our verdict on each
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%.
N26 Go
N26 Go suits people who spend most of each year abroad and want travel extras without a foreign conversion charge. The membership costs €118.80 a year, and the currency conversion fee is 0%, so card spending abroad keeps its full value.
Score breakdown
| Area | KTC credit card | N26 Go |
|---|---|---|
| Cost | 9.0Annual fee THB 0 and monthly fee THB 0, offset by 2% on conversion | 9.4HigherThe currency conversion fee is 0% and the membership runs at €118.80 a year, a fair price for the travel cover and lounge access. |
| Offer | 9.3Higher | 8.9 |
| Trust | 9.0Higher | 8.8 |
Positions in our rankings
| Ranking | KTC credit card | N26 Go |
|---|---|---|
| Business debit cards | 7 of 201 | 9 of 201 |
| Travel cards | 18 of 443 | 20 of 443 |
Every fact side by side
| Fact | KTC credit card | N26 Go |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Travel, Virtual card |
| Audience | Business | Kids, BusinessCovers more |
| Legal entity | Krungthai Card Public Company Limited | N26 SE |
| Headquarters | Thailand | Germany |
| Founded | 1996Lower | 2013 |
| Support channels | Phone, Help centre | Phone, Help centre |
Debit cards
| Fact | KTC credit card | N26 Go |
|---|---|---|
| Monthly fee | THB 0 | €0 |
| Card type | Not confirmed | Debit |
| Card network | Visa | Mastercard |
Where each stands against the rest
| Fact | KTC credit card | N26 Go | Median |
|---|---|---|---|
| Currency conversion fee | 2%above the median | 0%below the median | 1% |
| Cashback rate | Not confirmed | 1%below the median | 1.5% |
Median across 312 listed cards.
Pros and cons
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
N26 Go
Pros
- No foreign conversion cost on the currency conversion fee of 0%, against a site median of 1%
- Cashback of 1% on spending outside the EEA, Switzerland and the UK, paid as cashback
- Free ATM withdrawals worldwide, a clear step up from a site median free withdrawal allowance of €0
Cons
- The annual fee of €118.80 is a real cost, and the site annual fee median is €0
- Cashback is limited to spending outside the EEA, Switzerland and the UK, and it stops after a set period
- Support runs through phone and help centre, so the dedicated phone line is reserved for members paying the annual fee
Who each suits
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
N26 Go
Who it suits
- People who travel regularly and pay in several currencies each year
- Travellers who still take cash out at the machine and want free ATM withdrawals worldwide
- Members who will use travel insurance and airport lounge access more than once a year
Who should look elsewhere
- Anyone spending only inside the EEA, Switzerland and the UK, where the cashback does not apply
- People who want a cheap everyday debit card, since Varo Believe Secured Credit Card charges a monthly fee of $0
- Bank customers who will not use travel insurance, lounge access or dedicated phone support, all of which come with the membership
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 | KTC credit card | N26 Go |
|---|---|---|
| Thailand | Yes | No |
Questions about each
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.
N26 Go
What does the N26 Go membership cost?+
The membership runs at €118.80 a year on top of a monthly fee of €0. In return the account adds travel insurance, airport lounge access, dedicated phone support and free ATM withdrawals worldwide. The perks list is the reason to look past the annual fee.
Is there a foreign transaction or currency conversion fee?+
The currency conversion fee is 0%, so spending abroad keeps the full value of the transaction. That sits below the site median of 1%, which is why the card appeals to frequent travellers.