Individual Card Assessment
PointPlus Score: 68
KTB / Visa
Experience cutting-edge benefits and innovative rewards designed to complement your dynamic and modern lifestyle.
Highlights
1Shopping Spend
2Travel Spend
3Dinign Spend
Cardholder Perks
Local Lounges
How this card compares to the
average PointPlus score?
Who's this card for?
Earn Rates
Points2 points= 1 ROP mile100 points= 10% cashback2 points= 1 ROP mile100 points= 10% cashback
General
Earn 1 KTC Point for every 25 baht spend
Points Miles
General
Earn 1 KTC Point for every 25 baht spend
Points cashback
Shopping, Dining, Travel, Foreign Currency
Earn 1 KTC Point for every 8.33 baht spend
Points Miles
Foreign Currency
Earn 1 KTC Point for every 8.33 baht spend
Points cashback
Points to MilesReceive 1 KTC Point for every 25 baht spend2 points= 1 ROP mileReceive 1 KTC Point for every 8.33 baht spend2 points= 1 ROP mile
General
Earn 1 ROP mile for every 50 baht of General spend
Points
Points Miles
Shopping, Dining, Travel, Foreign Currency
Earn 1 ROP mile for every 16.67 baht of Shopping, Dining, Travel, Foreign Currency spend
Points
Points Miles
Points to CashbackReceive 1 KTC Point for every 25 baht spend100 points= 10% cashbackReceive 1 KTC Point for every 8.33 baht spend100 points= 10% cashback
General
Earn up to 0.4% cashback on General spend
Points
Points cashback
Foreign Currency
Earn up to 1.2% cashback on Foreign Currency spend
Points
Points cashback
Cashback
General
Earn up to 0.4% direct cashback on General spend
Foreign Currency
Earn up to 1.2% direct cashback on Foreign Currency spend
Earn unit:
KTC Point
Baht per Point (Lower is better)
Perks
Airport Lounge
KTC X gives you access to Miracle Lounge:
Airports in Thailand:
🇹🇭 (BKK)
🇹🇭 (DMK)
Usage Quota: 2
Conditions
Must be traveling with Thai Airways to be eligible for lounge access
Fee
Primary Card
- Annual Fee 5,000 baht
Credit Card Fee Waiver Condition
- Primary Card: Waive primary card annual fees with 600,000 baht annual spend
Eligibility
Option 1: Minimum Income Qualification
- Requirement for Thai citizen: 50,000 baht per month or more
- Requirement for foreigners: 100,000 baht per month or more
Option 2: Non-Income Qualification
- Fixed Deposit Collateral: Hold fixed deposits of at least 1,000,000 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 50,000 baht in monthly income for Thais, and 100,000 baht in monthly income for foreigners
- Self-Employed: Have at least 50,000 baht in monthly income