Beginners may worry that using a credit card will lead to excessive debt. As many have warned, the truth is that a credit card is a very useful financial tool. If used with knowledge and understanding
The beginner credit cards that Thumbsup would recommend are mostly credit cards with no entrance and annual fees. Some cards can accumulate points. Able to pay installments for products / services More importantly, some cards have additional privileges as well.
Conditions for all credit card applicants
- 20 years of age and over
- Minimum monthly income of 15,000 baht / month
- Age 3 months or more
Documents required
- ID card copy
- 1 month salary slip (age of documents not more than 3 months)
- Salary certificate (The age of the document does not exceed 3 months)
- Statements for the past 3 months (can be requested in the banking app)
Benefits of all cards
- No issuing fees
- 0% installments for 3 months or more
- Contact Center: 24 hours service
Highlights of the KTC Visa Platinum credit card
- There are no entry and annual fees.
- 0% installments for products / services, up to 10 months
- Accident and travel insurance
- Every 25 baht spent, get 1 point
Apply and view additional card details at https://bit.ly/39vJf9J
Highlights of the Citi Simplicity Credit Card
- There are no entry and annual fees.
- 0% installments for products / services for 3 months at all Central branches
- Only 1% cash withdrawal fee
- Get cash back up to 1,200 baht when spending up to the limit.
- Receive 1 get 1 free movie ticket at SF network.
- Receive a Lazada or Tesco Lotus discount code every month.
Apply and view additional card details at https://bit.ly/3bQfX8L
Highlights of KTC PLATINUM MASTERCARD credit card
- There are no entry and annual fees.
- Shop online through Lazada, Shopee, JD Central, Pomelo get a maximum discount of 600 baht.
- 0% installments for products / services, up to 10 months
- Travel accident insurance both at home and abroad, up to 8 million baht
- Every 25 baht spent, get 1 point
Apply and view additional card details at https://bit.ly/39vJf9J
Highlights of the SCB UP2Me credit card
- There are no entry and annual fees.
- Earn x3 points on your chosen spending category (shopping, dining, travel, entertainment and beauty).
- Receive up to 5 times the reward points in the birth month.
- Free international travel protection insurance
- Every 25 baht spent, get 1 point
Apply and view additional card details at http://bit.ly/3ijwTpi
Highlights of the TMB So Smart credit card
- There are no entry and annual fees.
- Get 1% cash back into your account when spending 100 baht or more.
- 0% installment payment for 10 months
- Free international travel protection insurance up to 6 million baht
Apply and view additional card details at https://bit.ly/3oEkizc
Highlights of Krungsri First Choice Visa Platinum credit card
- There are no entry and annual fees.
- Get 1.7% cash back when spending 10,000 baht or more.
- Installment 0% for up to 36 months from participating stores.
- Buy movie tickets at Major Cineplex theaters for 100 baht, 2 privileges per month.
- Receive special privileges on food, beverages or discounts from famous brands in the month of birth.
Apply and view additional card details at https://bit.ly/3ss5BSm
Highlights of TMRW by UOB credit card
- No entrance fee Free first year fee Next year, the fee is 2,000 per year.
- Receive 2% cash back credit when spending in restaurants, department stores. And travel
- Receive 1% cash back for other spending.
- Get 15% Cashback from 15 participating merchants.
- Able to convert credit card spending amount to monthly installments for 3, 6 or 10 months.
Apply and view additional card details at http://bit.ly/2XHr7UE
Highlights of KBank MasterCard Platinum credit card
- No entrance fee
- Free next year’s fee, just with spending 12 times / year
- 0% installment payment for up to 10 months
- TG Lounge service
- Free travel insurance 8 million baht
- Every 25 baht spent, get 1 point
Apply and view additional card details at https://bit.ly/3qk1HZL
