4.5
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BAY / Mastercard

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Experience modern convenience with flexible rewards, cashback options, and benefits that suit your dynamic lifestyle.

Highlights
1Online Spend
2Dining Spend
High Miles
High Cashback

How this card compares to the
average PointPlus score?

Who's this card for?
Digital Savvy
Foodie
Earn Rates
Points
General
Earn   1 BAY Point   for every  25 baht  spend
Points Miles
3 points=   1 ROP mile
General
Earn   1 BAY Point   for every  25 baht  spend
Points cashback
100 points=   10% cashback
Restaurant
Earn   1 BAY Point   for every  12.5 baht  spend
Points Miles
3 points=   1 ROP mile
Spend Cap
Preferential rate is capped at 3,750 Baht spend per month
Restaurant
Earn   1 BAY Point   for every  25 baht  spend
Points cashback
100 points=   10% cashback
Spend Cap
Preferential rate is capped at 3,750 Baht spend per month
Online
Earn   1 BAY Point   for every  baht  spend
Spend Cap
Preferential rate is capped at 10,000 Baht spend per month
On-top Bonus
BAY points will also be earned at a rate of 1 BAY Point for every 25 baht spend.
Points to Miles
General
Earn  1 ROP mile for every  75 baht of General spend
Points
Receive 1 BAY Point for every 25 baht spend
Points Miles
3 points=   1 ROP mile
Restaurant
Earn  1 ROP mile for every  37.5 baht of Restaurant spend
Points
Receive 1 BAY Point for every 12.5 baht spend
Points Miles
3 points=   1 ROP mile
Spend Cap
Preferential rate is capped at 3,750 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
Restaurant
Earn up to 0.8% cashback on Restaurant spend
Points
Receive 1 BAY Point for every 25 baht spend
Points cashback
100 points=   10% cashback
Spend Cap
Preferential rate is capped at 3,750 Baht spend per month
Cashback
General
Earn up to 0.4% direct cashback on General spend
Restaurant
Earn up to 0.8% direct cashback on Restaurant spend
Spend Cap
Preferential rate is capped at 3,750 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

Airport Lounge

Krungsri Now Platinum gives you access to :

Usage Quota:
Learn more
Fee & Eligibility

Credit Card Fee

Primary Card

  • Annual Fee 4,000 baht

Credit Card Fee Waiver Condition

  • Primary Card: Waive primary card annual fee with at least one annual card transaction
  • Supplementary Card: Waive supplementary card annual fee with at least one annual card transaction

Credit Card Eligibility

Option 1: Minimum Income Qualification

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

Option 2: Non-Income Qualification

  • Fixed Deposit Collateral: Hold fixed deposits of at least 500,000 baht at any commercial bank over the past 6 months
  • General Deposit Collateral: Hold deposits of at least 1,000,000 baht with Krungsri over the past 6 months
  • Business Owner: Have at least 300,000 baht in average monthly turnover over the past 6 months