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Make life in Thailand easier with Credit Cards

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4.8/5

Why Choose The Thaiger for Your Credit Card Application?

Getting a credit card as a foreigner in Thailand can be a challenge, but we’ve got you covered! Our team is here guide and assist you through the process of setting up a credit card in Thailand.

What is a Credit Card?

A credit card lets you borrow money from a bank up to an established limit to make purchases. You need to repay the money you borrowed by your bill’s due date or incur interest charges. In simple words, a credit card allows you to buy now and pay later.

It’s not like a personal loan because instead of getting the full loan in cash, the bank allows you to take as much of your credit limit as you want at a given time. A credit limit is the maximum amount of money you can borrow.

Each card comes with a special number. You may purchase products or services using this number, plus other information on the card (such as a validity date or a code). Once your order is done and is ready to be sent to you, the card issuer (the bank) will then passes the money to the dealer. Keep in mind that if you don’t pay the bank on time, you will have to pay late fees and may receive increased interest rates.

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What Should You Do to Make the Most Out of Your Credit Card?

If you use your credit card carelessly, it can throw your finances off balance. But when used responsibly, your credit card offers a lot of benefits. Here’s how you can use and make the most out of your credit card.

Pay on time

When you don’t pay on time, you can face absurdly high late payment charges. Therefore, to avoid this, pay on the same due date of each month because the delayed payments will reflect poorly on your score.

Earn reward points

You can earn by spending on your credit card by keeping a list of deals such as restaurant bills, ticket transactions for movies and more. Earned reward points can be redeemed against gifts.

Watch your credit score

A higher credit use ratio which overtime isn’t helpful to your credit health even though you have a good payment history, so it is good always check on how much you spend despite having a high credit limit

Claim benefits

If you have a credit card and there are enticing deals like bonus points, cash backs on some types of purchases, etc., then claim these benefits and take advantage of your card.

Interest-free period

By making your credit card purchases at the start of your billing cycle, you can leverage the interest-free period to the maximum extent.

Advantages of Having a Credit Card in Thailand

Having a credit card in Thailand comes with many advantages. It makes your life a lot easier and even give you lots of bonuses, such as discounts. .

Widely Accepted

The credit card payment system is now accepted in almost all shops and restaurants across Thailand, including online stores. This helps with cash flow problems since you can order your food, groceries online on your credit card.

No Queue

You can deduct bills automatically through your credit card, so you don’t have to queue frequently to pay for them or miss any bill payments. Some bills that can be deducted from your credit card are phone, internet, and electricity.

Discounts

Most restaurants in Thailand offer specific deals on credit cards. These discounts are only available for locally issued cards and are also dependent on the institution that issued them. Discounts tend to differ between 5% and 20% and can be much higher in rare situations.

Loyalty Programs

Cooperating with credit card issuers, airlines such as Thai Airways and Bangkok Airways allow you to earn points for free upgrades and fares. Furthermore, there are department store loyalty schemes that offer discounts. A good example of this is the Home Pro-first choice card or the Tesco credit card.

Paying for Purchases

Credit cards allow you the option to pay for purchases right away, even when you don’t have cash on hand. You can then pay off your credit card balance on a given date.

Convenience

Each month, your credit card gives you a statement outlining exactly where and what you spend on.

Fraud Protection

Most credit card issuers will not hold you responsible for theft as long as you record fraudulent transactions in a timely manner.

Price Protection

Price protection typically means that you can get 100% refundable if you are not happy with the product.

Travel Benefits

Most credit card issuers will offer travel benefits such as car rental crashes, personal injury, cancellation of the tours, and much more.

Customer Ratings





4.8/5

25 reviews

Customer Reviews

3/12/2020

Good information but not 100% sure how would appling with the Thaiger will save me time and benefit me. I will give it a shot anyway thank you.

Patricia Enock



5/2/2021

All you need to do is inquire with then and someone will shortly be in contact with you. Awsome service saving me time and money.

John Anderson
25/12/2020

Thank you for providing us with this information, I will definitely recommend this website to my friends and family.

Mischa Roses



11/2/2021

Is it worth getting credit card in Thailand? there seems to not be alot of benefits unlike where i come from.

Robbert Fernaldo


19/1/2021

The Thaiger also offers various types of credit cards, including business cards and travel and cash-back options. Check out their related products to see if there is anything that better suits your needs.

Jenny Ruggles



22/1/2021

Great experience, hardworking people taking care of their clients. Thanks for getting my credit cards.

Gavin Ross



Recommended Banks for Your Credit Card in Thailand

Applying for a credit card can be tricky for foreigners. Not all banks in Thailand are welcoming, and the process tends to be harder for expats than for locals. Below, we have listed three recommended banks that can provide credit cards for foreigners.

The Citibank Card accumulates a lot of spending points, which can be exchanged for deals later. In addition, once you book a ticket with your credit card, Citi bank will offer insurance with 7,000,000 THB coverage.

For a minimum budget of 100,000 THB, there will be a yearly charge of 3,800 THB. One of the Citibank cards’ limitations is that expats are expected to have a minimum salary of 80,000 THB per month to be eligible. You may also qualify for this card if you are on a retirement visa, but you will have to make a deposit of at least 1,000,000 THB in a fixed-term account.

Key points:

  • Get rewards faster than ever.
  • Make your shopping more rewarding.
  • Exciting promotions on restaurants, dining, shopping, travel, and many more.

The Visa Platinum Credit Card from Bangkok Bank is designed to satisfy your every requirement. With points available for each transaction, they can also promise to refund a portion of your purchase. The Visa Platinum credit card also provides 24 hours of service to help you have trouble with your card.

Key points:

  • A range of cards to suit all lifestyles.
  • Be Smart Installment Plan.
  • Best Credit Card Promotions.

There are different forms of credit cards available from KASIKORN Bank (The Intelligence, The Premier, OneSiam, The Love, PTT Blue, K Wave) and several more. Enjoy perks such as limousine airport pick-up and drop-off facilities, multinational customer care services, lost luggage, stolen card and the emergency embassy, and much more.

Key points:

  • Offering you the best privileges.
  • Special discounts available all year round.
  • Best travel insurance.

Use wisely, and your credit card will give you so many benefits.

I’ve recently applied for a credit card with the Thaiger’s help. I applied to several banks before, but I never got my card. The Thaiger made the application process very straight forward, though. I don’t have to wait for months! Like they said, a credit card does make my life here in Thailand easier! It makes me feel like I’m in control of my finances, and I enjoy many discounts from the card, too. Being in control of my finances, for me, is a great stress reliever.

Top tip: Make sure you have all the requirements, so the process can be more painless.

How does a credit card work?

A credit card is a payment card that allows you to pay for goods and services. Credit cards grant you a credit line that can be used in the future to make payments, balance transfers, and/or cash advances that enable you to pay back the value of the loan. You would need to make at least the minimum payment per month by the due date on the balance when using a credit card.

Join the many satisfied customers who’ve got their Credit Cards with The Thaiger.

Related Products for Your Finances in Thailand

Below we list some interesting products you may want to check out. Like credit cards, the following products will also make your life in Thailand so much better.

Personal Loans

Planning on making a big purchase? Get lower rates of interest on personal loans through us.

Read More

Thai Bank Account

Receive multiple benefits when opening a Thai bank account and read the complete expat guide at The Thaiger.

Read More

Cash Card

Don’t have a lot of money management skills? Get a cash card to ensure you don’t overspend!

Read More

Short-Term Loans

If you need to borrow money fast, such as to cover urgent bills, short-term loans can help you. It is named a short-term loan because it has a short repayment period.

Read More

Things to keep in mind when Applying For a Credit Card

Finding the right credit card can be very stressful. To make it easier, we have compiled several things you need to keep in mind when applying for a credit card in Thailand.


Credit Card Requirements in Thailand

The first requirement that you will need is a work visa to provide any evidence of income to qualify for a credit card. A number of banks recommend that your work permit should be valid for another six months. You need to show salary slips for the previous three months as well. If you don’t have a work permit, you will also be eligible to get a credit card if you are ready to spend 100,000 THB to 200,000 THB in a fixed-term deposit account with the bank (as a guarantee).

Make Sure Your Credit Matches

It’s advisable that you apply for a credit card only if it matches your credit standing. Why? Because if you get turned down, it will be harder for you to get approved the second time around.

Don’t Apply in Bulk

You should not submit more than a couple credit card applications within a short period of time, as this can lead to a roughly six-month dip in your credit score.

Cash Back Rewards

Credit card cashback rewards are bonuses provided to credit card customers when they use their cards to make purchases. Cashback rewards can take the form of cash or points — with points typically redeemable on an online marketplace operated by the card issuer.
Cashback credit cards accumulate rewards when making purchases within specific categories, such as grocery stores or gas stations. There are essential differences in what kinds of spending get rewarded and what format the rewards take, such as rotating categories and the value of points. You may also have to keep in mind that some cash back credit cards specify a maximum limit of cashback you can earn within a specific time period.

Credit Card for Foreigners

Expats can apply for credit cards in Thailand, but the banks set their own minimal work experience and monthly income conditions (varies for each bank) before issuing your card. All Thai banks typically require a work permit and passport. If you meet a minimum financial requirement and have a work permit, you can check out Citibank Reward. It’s one of the best cards out there in the market.

SME Loan

Is your business ready to take a leap, but you don’t have the working capital to do so? Our Small and Medium Enterprise (SME) Loans might be the answer you’re looking for.

We understand the challenges and needs of running a business. To make a profit and successfully operate, a business needs monetary support to carry out numerous activities. This is why our SME Loans are tailor-made to suit your business’s needs and requirements. Whether you are looking to maintain a healthy cash flow or you want to expand your business in Thailand, you can always apply for SME Loan and get the financial help you need.

Frequently Asked Questions about Credit Cards

Yes, using credit cards for transactions in stores, hotels, and restaurants, and elsewhere in Thailand is fully safe and free.

Expats can apply for credit cards in Thailand, but before issuing the card, the banks set their own minimum work experience and monthly income conditions. A work permit and passport will also be required for all banks.

SMEs in Thailand is divided into two small and medium-sized groups with different requirements.

– Small enterprises compromises of no more than 50 employees with a capital of no more than 50 million baht

– Medium enterprise compromise of 51 to 200 employees and has a capital of 51-200 million baht

Yes, you can cancel your card at any time. First, you have to contact the bank either in person at the bank or via the call centre. The staff will check your information and ask for the reasons for cancelling. When you confirm the cancellation, it will be done immediately. The card must be destroyed and returned to the bank.

You can freeze your credit card right away from the call center. You’re going to issue a new one, with the new credit card number, new security code, and new phone code. The codes will be sent to you free of charge via mail.

Credit card insurance coverage was particularly common. However, in the last few years, many credit card issuers have reduced their cardholder benefits from insurance coverage. But there are still credit cards with insurance, even if they’re a little harder to find now.

If you have a credit card with a special money transfer, you’re in luck. This is the easiest way to transfer funds to a bank account from a credit card, as it has been designed for this purpose. That means that the charges and interest are usually lower for transferring money.

Some details that you may need to include in your application form include:

-Copy of ID passport
-Work permit at least 1 year
-Letter of payroll slip/Letter of guarantee from an employer or certifying your income
-Copy of Bank account for the last 6 months

Credit card apps would usually only ask you for your contact information. And the past two years, this covers items such as your full name (no condensed versions!), your address and your former addresses, when you are at work and how much you receive.?

Inquire Now to Receive your Credit Card

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