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Individual Card Assessment

PointPlus Score: 45
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KTB / Union Pay

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Experience seamless global transactions and special offers across Asia, ideal for travelers and international shoppers.

Highlights
1Spend in Japan
Cardholder Perks
Local LoungesForeign Lounges
High Miles

How this card compares to the
average PointPlus score?

Who's this card for?
Traveller
General User
Earn Rates

Points
General
Earn   1 KTC Point   for every  25 baht  spend
Points Miles
2 points=   1 ROP mile
General
Earn   1 KTC Point   for every  25 baht  spend
Points cashback
100 points=   10% cashback
Foreign Currency
Earn   1 KTC Point   for every  12.5 baht  spend
Points Miles
2 points=   1 ROP mile
Foreign Currency
Earn   1 KTC Point   for every  12.5 baht  spend
Points cashback
100 points=   10% cashback
Points to Miles
General
Earn  1 ROP mile for every  50 baht of General spend
Points
Receive 1 KTC Point for every 25 baht spend
Points Miles
2 points=   1 ROP mile
Foreign Currency
Earn  1 ROP mile for every  25 baht of Foreign Currency spend
Points
Receive 1 KTC Point for every 12.5 baht spend
Points Miles
2 points=   1 ROP mile
Points to Cashback
General
Earn up to 0.4% cashback on General spend
Points
Receive 1 KTC Point for every 25 baht spend
Points cashback
100 points=   10% cashback
Foreign Currency
Earn up to 0.8% cashback on Foreign Currency spend
Points
Receive 1 KTC Point for every 12.5 baht spend
Points cashback
100 points=   10% cashback
Cashback
General
Earn up to 0.4% direct cashback on General spend
Foreign Currency
Earn up to 0.8% direct cashback on Foreign Currency spend
Earn unit:
KTC Point

Baht per Point (Lower is better)

Perks

Airport Lounge

Dragon Pass Lounges

KTC UnionPay gives you access to Dragon Pass Lounges:

All Global Locations
🌍
Usage Quota: Unlimited
Learn more
Fee

Primary Card

  • Annual Fee 0 baht

Credit Card Fee Waiver Condition

No fee waiver information

Eligibility

Option 1: Minimum Income Qualification

  • Requirement for Thai citizen: 15,000 baht per month or more
  • Requirement for foreigners: 50,000 baht per month or more

Option 2: Non-Income Qualification

  • Fixed Deposit Collateral: Hold fixed deposits of at least 500,000 baht at any bank over the past 6 months
  • General Deposit Collateral: Hold deposits of at least 1,000,000 baht at any bank over the past 6 months
  • AUM Collateral: Hold investments in select assets (including bonds, mutual funds, etc.) of at least 1,000,000 bahtover the past 6 months
  • Business Owner: Have at least 20,000 baht in monthly income for Thais, and 50,000 baht in monthly income for foreigners
  • Self-Employed: Have at least 20,000 baht in monthly income