Five Credit Cards From Thailand Banks for Different Lifestyles and Folks

If you're financially responsible, there's no reason to turn your nose up at credit cards. Credit cards benefit cardholders in many ways, especially if you know how to maximize their uses. Ultimately, it's the ease and convenience that these offer, along with the layer of security compared to using a debit card, that has turned many to using credit cards especially in this age of e-commerce and rising cyberthreats.

Not all credit cards are the same, however. To fully use your credit card to your advantage, you must choose the type that suits your lifestyle, means, and resources. In Bangkok, you'll find many banks offering multiple credit cards that focus on different purposes and offer various perks. To help you find the right one for you, here are five different cards from five of Thailand's biggest banks you can check out!

Kasikorn Bank's Passion Credit Card for the Points Collector  

Are you the type of consumer who loves collecting points quickly? Kasikorn Bank's Passion Credit Card may be up your alley. Those who have never had a KBank credit card can earn 3,000 K points upon an accumulated spending of THB10,000 for a given time period after the card is approved. You also get to earn twice the number of points if you spend THB200,000 per account cycle, with two points equivalent to THB25. 

Other privileges include special prices for afternoon tea sets at select branches of TWG Tea Salon & Boutique, Harrods Tea Toom, Mandarin Oriental Shop, and The House Sathorn. To know more about KBank's Passion credit card and how to apply, go here.

Bangkok Bank's AirAsia Credit Card for the Flyer

Do you want to shop and fly with convenience? Bangkok Bank's AirAsia Credit Card is worth checking out. Key benefits of cardholders include instant upgrade to Platinum membership of AirAsia rewards, priority booking, free hot seat selection, free baggage allowance, and free hot or cold drink in-flight. You also get one AirAsia point for every THB20 you spend and can get up to 10 times more points if you spend with AirAsia, which you can redeem for flights, hotels, tours, dining, and more through the airline's app. For more info about Bangkok Bank's AirAsia credit card, go here.

Bank of Ayudhya's Nao Credit Card for the Fun-loving Digital Junkie

The Bank of Ayudhya's Nao Credit Card was made for the modern digital junkie living in the world of "now." Enjoy benefits every time you use the Nao card in the digital world, with 5% cash back for different lifestyles like gaming, eating, shopping, watching flicks, and listening to music, among others. You can also earn twice the number of points when eating out at restaurants around the world, as long as you eat every THB500/sales slip, with a limit of up to 300 points every month. 

Other privileges include discounts for car rentals, travel, attractions; and over 2,500 hotels worldwide, as well as certification services at more than 700 airports around the world for your ultimate convenience. Learn more about the Nao credit card here.

Siam Commercial Bank's M Live Credit Card for Shoppers

Would you call yourself a shopaholic? If the answer is yes, check out Siam Commercial Bank's M Live Credit Card. Holders of the M Live can receive 5% discounts at all department stores under the Mall Group, namely The Mall, Emporium, EmQuartier, Paragon, and Blueport. Moreover, you can receive 2% cash back when you gas up at Shell gas stations all over Thailand and earn three times more M points when you shop at stores abroad, with 0% interest on three-month installment payments. 

There are also 5% discounts when shopping in Gourmet Market, Home Fresh Mart, and Power Mall, and a 20% discount for entrance tickets to the Fantasia Lagoon Water Park. THB25 is equivalent to one M point. For more information about the M Live credit card, go here.  

Krungthai Bank's Senior Platinum Mastercard for Those Aged 40 and Above

Our priorities change as we get older. Krungthai Bank's Senior Platinum Mastercard is suitable for individuals aged 40 years old and up. Promising "exclusive happiness," you'll never have to pay annual fees for this credit card ever. You can also enjoy 1% cash back when you spend on Wednesdays, with a limit of up to THB1,000 per billing cycle, and access to a personal secretary 24 hours a day if you need assistance to book flights, arrange flower delivery services, provide in-home care services, and emergency medical assistance. 

The card also offers coverage for your online purchases so you can shop with confidence on the internet! To learn more about Krungthai's Senior Platinum Mastercard (it has the same benefits of its Senior Platinum Visa card) and apply, go here.