Individual Card Assessment
PointPlus Score: 71
BAY /
Access elite privileges with premium rewards, exclusive offers, and comprehensive travel benefits tailored for discerning cardholders.
Highlights
1Dining Spend
2Shopping Spend
3Insurance Premiums
Cardholder Perks
Local LoungesForeign Lounges
Earn Rates
Points2 points= 1 ROP mile100 points= 10% cashback2 points= 1 ROP milePreferential rate is capped at 10,000 Baht spend per month100 points= 10% cashbackPreferential rate is capped at 10,000 Baht spend per month2 points= 1 ROP milePreferential rate is capped at 16,000 Baht spend per month100 points= 10% cashbackPreferential rate is capped at 16,000 Baht spend per month
General
Earn 1 BAY Point for every 25 baht spend
Points Miles
General
Earn 1 BAY Point for every 25 baht spend
Points cashback
Dining
Earn 1 BAY Point for every 5 baht spend
Points Miles
Spend Cap
General
Earn 1 BAY Point for every 5 baht spend
Points cashback
Spend Cap
Select Department Stores
Earn 1 BAY Point for every 5 baht spend
Points Miles
Spend Cap
General
Earn 1 BAY Point for every 5 baht spend
Points cashback
Spend Cap
Points to MilesReceive 1 BAY Point for every 25 baht spend2 points= 1 ROP mileReceive 1 BAY Point for every 5 baht spend2 points= 1 ROP milePreferential rate is capped at 10,000 Baht spend per monthReceive 1 BAY Point for every 5 baht spend2 points= 1 ROP milePreferential rate is capped at 16,000 Baht spend per month
General
Earn 1 ROP mile for every 50 baht of General spend
Points
Points Miles
Dining
Earn 1 ROP mile for every 10 baht of Dining spend
Points
Points Miles
Spend Cap
Select Department Stores
Earn 1 ROP mile for every 10 baht of Select Department Stores spend
Points
Points Miles
Spend Cap
Points to CashbackReceive 1 BAY Point for every 25 baht spend100 points= 10% cashbackReceive 1 BAY Point for every 5 baht spend100 points= 10% cashbackPreferential rate is capped at 10,000 Baht spend per monthReceive 1 BAY Point for every 5 baht spend100 points= 10% cashbackPreferential rate is capped at 16,000 Baht spend per month
General
Earn up to 0.4% cashback on General spend
Points
Points cashback
General
Earn up to 2% cashback on General spend
Points
Points cashback
Spend Cap
General
Earn up to 2% cashback on General spend
Points
Points cashback
Spend Cap
CashbackPreferential rate is capped at 10,000 Baht spend per monthPreferential rate is capped at 16,000 Baht spend per monthPreferential rate is capped at 3,000,000 Baht spend per monthEarn an additional 10,000 baht in cashback when spending 10,000,000 baht on insurance premiums.
General
Earn up to 0.4% direct cashback on General spend
General
Earn up to 2% direct cashback on General spend
Spend Cap
General
Earn up to 2% direct cashback on General spend
Spend Cap
Insurance Premium
Earn up to 0.6% direct cashback on Insurance Premium spend
Spend Cap
On-top Bonus
Earn unit:
BAY Point
Baht per Point (Lower is better)
Perks
Airport Lounge
Krungsri Signature gives you access to Dragon Pass Lounges:
All Global Locations
🌍
Usage Quota: 2
Conditions
Minimum annual spend of 300,000 baht is required to be eligible for lounge access
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
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