Top 5 Thailand Credit Cards Recommended for Beginners

Applying for a credit card feels like taking a big financial step, especially for young professionals and fresh graduates. Having a card not only helps build your credit history but also provides a convenient payment method while giving you financial flexibility.

Aside from these benefits, credit cardholders can also enjoy various rewards, cashback perks, and other advantages when shopping or traveling. While having a card is a big plus, it also requires responsible use, such as paying on time and monitoring your spending — especially if it’s your first time having one.

If you’re thinking of applying for a credit card in Thailand, we’ve listed five cards first-timers can consider. From cashback to waived fees, benefits await! Check them out below:

Krungsri First Choice Visa Platinum

For your first credit card, why not go for First Choice? This credit card waives initial and annual fees for the first year, then for the succeeding years, the annual fee will be waived if you have a cumulative spending of THB50,000 per year. With this card, you also get the 0% Pay Later option, which allows you to purchase products and services and then start paying installments after two months so you can manage your spending conveniently.

Speaking of managing your expenses, you can also check your financial health status through the UCHOOSE app. Other benefits First Choice Visa Platinum cardholders can avail of include online shopping insurance and exchanging credit card reward points for cashback. Apply for your credit card here.

Bangkok Bank Visa Platinum Credit Card

Choosing Bangkok Bank’s Visa Platinum Credit Card means you get customized privileges that match your lifestyle. By spending up to THB5,000 per year, your entrance and annual fees will be waived. If you’ll be flying out regularly, you can also avail of the Reward Points offered, which means for every THB25 you spend, you get one point for both domestic and overseas spending.

Other benefits that Platinum offers include roadside assistance, travel accident insurance, and mileage redemption from leading airlines, among others. Apply for your credit card here.

UOB YOLO Platinum Card

Since you only live once, you shouldn’t miss out and you need to live large. With UOB’s YOLO Platinum Card, you can do just that because of the enticing cashback and lifestyle privileges it offers. If you frequent 7-11 and Burger King, or you ride the MRT and use Grab most of the time, you’re assured of cashback.

To qualify, you must make five transactions of at least THB300 each within a billing cycle to receive 1% cashback, with a maximum limit of THB200 per billing cycle. The cashback will be automatically credited to your next statement. Other advantages include flexible installment plans and payment convenience with Visa payWave. Apply for your credit card here.

TMBThanachart (ttb) So Smart Credit Card

A cashback type of credit card, ttb’s So Smart Credit Card lets you get one percent cash on every spending while offering 0% installment payments for up to three months on purchases of at least THB1,000 per sales slip. The good news? There are no entrance and annual fees. By also using your card responsibly and paying off your balance in full on time, you can avoid a 16% interest charge. Apply for your credit card here.

AEON NextGen Digital Credit Card

With the NextGen Digital Credit Card, cardholders can get 5% cashback when spending at online shopping stores with a minimum of THB500 per sales slip (excluding airline tickets and related expenses). The maximum cashback you can get is THB1,000 per primary card billing cycle.

You also get to enjoy exclusive access to the AEON Lounge, which you can avail four times per month. Another big benefit is you get privileges from Shopee, Lazada, Foodpanda, and Grab Food. Apply for your credit card here.