KTC credit card review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

KTC credit card lends to Thai adults in Thailand on fixed rates, with money in the account within one business day of approval. It suits borrowers who want a single personal loan and can clear off early without penalty, though the rate sits above the site median.

Key facts

Best for
A personal loan in Thailand with fixed rates and free early repayment
APR
20% to 25% (Source, checked September 26, 2026)
Loan amount
from THB 15,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Funding time
Funds transferred to the account within 1 business day after approval (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Thai nationality, age 20-60, minimum income 15,000 baht per month, at least 4 months in the current job; foreigners residing in Thailand cannot apply (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Krungthai Card Public Company Limited (Source, checked September 26, 2026)
Headquarters
Thailand (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
ktc.co.th

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Free early repayment, so clearing the balance early costs nothing extra
  • Fixed-rate personal loans, so payments do not shift with the market
  • Funds reach your account within one business day of approval
  • Help runs on phone, chat and email

Cons

  • Rates of 20% to 25% sit well above the 12% site median
  • Eligibility is limited to Thai nationals, so foreigners living in Thailand cannot apply
  • A minimum age and a waiting period in the current job both apply
KTC credit card

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Thai adults with a steady monthly income and a fair credit record
  • Borrowers who want one fixed-rate personal loan rather than a revolving line
  • Anyone happy to clear the balance early and keep the interest down

Who should look elsewhere

  • Monzo Flex if you want rates that start below this lender's range
  • Cashspace if a lower listed rate matters more than a fixed-rate Thai personal loan

The company behind it

KTC credit card is the borrowing name of Krungthai Card Public Company Limited, a direct lender based in Thailand and operating since 1996. You deal with the lender itself rather than a broker or a marketplace, which keeps the application in one place. Support runs on phone, chat and email, so you can pick up the phone, start a chat, send an email or use the help centre.

How KTC credit card compares

Where KTC credit card is available

Available
Thailand

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a KTC personal loan?+

Rates sit at 20% to 25% on a fixed basis, so the cost of the loan does not move once it is agreed. That is a wide range, and it sits above the 12% site median for personal loans. Loans are available to personal borrowers only.

How much can I borrow and over what period?+

Borrowing starts at from THB 15,000, and terms run 12 to 60. The lender describes a single market, so everyone applies on the same basis. Loans are personal and fixed-rate rather than revolving credit lines.

Can I repay the loan early?+

Yes, free early repayment is available, so clearing some or all of the balance ahead of schedule carries no extra charge. Over a 12 to 60 term, paying down early keeps the total interest lower than paying every instalment in full.

Who can apply?+

Applicants must be adults, hold Thai nationality, meet a minimum monthly income and have a waiting period in the current job. Credit standing is listed as fair. Foreigners residing in Thailand cannot apply.

How quickly do I get the money?+

Funds are transferred to your account within one business day after approval, so speed here depends on getting through the checks rather than on waiting for cash to clear. A direct lender handles the application without a broker in the middle.

Is my money protected?+

The lender is a direct-lender based in Thailand, trading as Krungthai Card Public Company Limited since 1996. No licence details are listed, so no regulator or protection scheme is named here. Check the terms yourself before you commit.

How do I get help once I have a loan?+

Support runs on phone, chat and email, covering phone, chat, email and a help centre. Each of those channels is listed, so you can reach the lender directly rather than through an intermediary.

Sources

  • cuelinks.com/campaigns/ktc-credit-card-th-affiliate-program checked September 26, 2026

    Backs: Founded, Legal entity

    “KTC was registered as a juristic person on 4th December 1996”

  • ktc.co.th/en/contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “KTC Head Office 591 United Business Center II, 14FL., Sukhumvit 33 Rd, North Klongton, Wattana, Bangkok 10110”

  • ktc.co.th/loan/ktc-cash checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Rate type, Term

    “loan amount (baht): 15,000 - 30,000; 30,001 - 100,000; from 100,001 upwards”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Representative example.

KTC credit card

KTC credit card

A personal loan in Thailand with fixed rates and free early repayment

9.1/10Visit

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