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KBANK / Union Pay

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Experience seamless global transactions and special offers across Asia, perfect for travelers and those who frequently shop or do business internationally.

Highlights
1Spend in Hong Kong & Taiwan
Perks: Lounge
Local Lounges

How this card compares to the
average PointPlus score?

Who's this card for?
Traveller
Earn Rates
Points
General
Earn   1 KPoint   for every  25 baht  spend
Points Miles
4 points=   1 ROP mile
General
Earn   1 KPoint   for every  25 baht  spend
Points cashback
100 points=   10% cashback
Foreign Currency
Earn   1 KPoint   for every  12.5 baht  spend
Points Miles
4 points=   1 ROP mile
Foreign Currency
Earn   1 KPoint   for every  12.5 baht  spend
Points cashback
100 points=   10% cashback
Points to Miles
General
Earn  1 ROP mile for every  100 baht of General spend
Points
Receive 1 KPoint for every 25 baht spend
Points Miles
4 points=   1 ROP mile
Foreign Currency
Earn  1 ROP mile for every  50 baht of Foreign Currency spend
Points
Receive 1 KPoint for every 12.5 baht spend
Points Miles
4 points=   1 ROP mile
Points to Cashback
General
Earn up to 0.4% cashback on General spend
Points
Receive 1 KPoint 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 KPoint 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:
KPoints
  • 250 Baht = 1 Baht cashback
  • Miles Equivalent: 100 Baht / Mile

% Cashback (Higher is better)

Baht / Mile (Lower is better)

Perks

Airport Lounge

Miracle Lounge

KBank UnionPay 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

Learn more
Fee & Eligibility

Credit Card Fee

Primary Card

  • Annual Fee 1,050 baht

Credit Card Fee Waiver Condition

  • Primary Card: Waive primary card annual fees by making at least 12 annual transactions OR with 200,000 baht or more in annual spend
  • Supplementary Card: Waive supplementary card annual fees by making at least 12 annual transactions OR with 200,000 baht or more in annual spend

Credit Card 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 equal to or greater than the credit limit to be set for the credit card with KBank