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BAY / Visa

Credit Card Mockup

Access elite privileges with premium rewards, exclusive offers, and comprehensive travel benefits tailored for discerning cardholders.

Highlights
1Dining Spend
2Shopping Spend
3Insurance Premiums
Perks: Lounge
Local LoungesForeign Lounges
High Miles
High Cashback

How this card compares to the
average PointPlus score?

Who's this card for?
Foodie
Shopper
Wellness User
General User
Earn Rates
Points
General
Earn   1 BAY Point   for every  25 baht  spend
Points Miles
2 points=   1 ROP mile
General
Earn   1 BAY Point   for every  25 baht  spend
Points cashback
100 points=   10% cashback
Dining
Earn   1 BAY Point   for every  5 baht  spend
Points Miles
2 points=   1 ROP mile
Spend Cap
Preferential rate is capped at 10,000 Baht spend per month
General
Earn   1 BAY Point   for every  5 baht  spend
Points cashback
100 points=   10% cashback
Spend Cap
Preferential rate is capped at 10,000 Baht spend per month
Select Department Stores
Earn   1 BAY Point   for every  5 baht  spend
Points Miles
2 points=   1 ROP mile
Spend Cap
Preferential rate is capped at 16,000 Baht spend per month
General
Earn   1 BAY Point   for every  5 baht  spend
Points cashback
100 points=   10% cashback
Spend Cap
Preferential rate is capped at 16,000 Baht spend per month
Insurance Premium
Earn   1 BAY Point   for every  baht  spend
Spend Cap
Preferential rate is capped at 3,000,000 Baht spend per month
On-top Bonus
Earn an additional 10,000 baht in cashback when spending 10,000,000 baht on insurance premiums.
Points to Miles
General
Earn  1 ROP mile for every  50 baht of General spend
Points
Receive 1 BAY Point for every 25 baht spend
Points Miles
2 points=   1 ROP mile
Dining
Earn  1 ROP mile for every  10 baht of Dining spend
Points
Receive 1 BAY Point for every 5 baht spend
Points Miles
2 points=   1 ROP mile
Spend Cap
Preferential rate is capped at 10,000 Baht spend per month
Select Department Stores
Earn  1 ROP mile for every  10 baht of Select Department Stores spend
Points
Receive 1 BAY Point for every 5 baht spend
Points Miles
2 points=   1 ROP mile
Spend Cap
Preferential rate is capped at 16,000 Baht spend per month
Points to Cashback
General
Earn up to 0.4% cashback on General spend
Points
Receive 1 BAY Point for every 25 baht spend
Points cashback
100 points=   10% cashback
General
Earn up to 2% cashback on General spend
Points
Receive 1 BAY Point for every 5 baht spend
Points cashback
100 points=   10% cashback
Spend Cap
Preferential rate is capped at 10,000 Baht spend per month
General
Earn up to 2% cashback on General spend
Points
Receive 1 BAY Point for every 5 baht spend
Points cashback
100 points=   10% cashback
Spend Cap
Preferential rate is capped at 16,000 Baht spend per month
Cashback
General
Earn up to 0.4% direct cashback on General spend
General
Earn up to 2% direct cashback on General spend
Spend Cap
Preferential rate is capped at 10,000 Baht spend per month
General
Earn up to 2% direct cashback on General spend
Spend Cap
Preferential rate is capped at 16,000 Baht spend per month
Earn unit:
BAY Points
  • 250 Baht = 1 Baht cashback
  • Miles Equivalent: 50 Baht / Mile

% Cashback (Higher is better)

Baht / Mile (Lower is better)

Perks
No perks available
Fee & Eligibility

Credit Card Fee

Primary Card

  • First Year Entry Fee: 4,000 baht
  • Annual Fee 4,000 baht

Credit Card Fee Waiver Condition

  • Primary Card: Waive primary card entry and annual fees with 300,000 baht annual spend

Credit Card Eligibility

Option 1: Minimum Income Qualification

  • Requirement for Thai citizen: 70,000 baht per month or more
  • Requirement for foreigners: 70,000 baht per month or more

Option 2: Non-Income Qualification

  • Fixed Deposit Collateral: Hold fixed deposits of at least 2,000,000 baht at any commercial bank over the past 6 months
  • General Deposit Collateral: Hold deposits of at least 2,000,000 baht with Krungsri over the past 6 months
  • Business Owner: Have at least 1,400,000 baht in average monthly turnover over the past 6 months