KTC credit card review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
KTC is a Thai business credit card from Krungthai Card that suits companies spending abroad, with a monthly fee of THB 0 and a currency conversion fee of 2%. It runs on Visa and offers a virtual card for travel, and it is built for business accounts rather than personal ones.
Key facts
- Best for
- Business cardholders in Thailand who want a Visa with no monthly fee and a virtual card for travel.
- Monthly fee
- THB 0↗
- Currency conversion fee
- 2%↗
- Card network
- Visa↗
- Legal entity
- Krungthai Card Public Company Limited↗
- Headquarters
- Thailand↗
- Founded
- 1996↗
- Support channels
- Phone, Help-centre, Chat, Community↗
- Features
- Travel, Virtual card
- Audience
- Business
- Official website
- ktc.co.th
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- Monthly fee of THB 0 on the card, which ranks it 1 of 379 brands for monthly fee
- A virtual card sits alongside the travel features, so online bookings can use a separate card number
- Runs on the Visa network, which most merchant terminals already accept
- Support covers phone, help centre and chat
Cons
- Currency conversion of 2% leaves it at 151 of 237 brands on currency conversion fee
- Aimed at business users, so it sits outside the range of cards built for personal spending
- Support runs on phone, help centre and chat only, with no branch or in-person option listed
Who it suits
- Business owners in Thailand who need a Visa for travel and everyday spending
- Companies that want a virtual card for online bookings and subscriptions
- Anyone comparing a no monthly fee card against higher conversion charges elsewhere
Who should look elsewhere
- Travellers who pay mostly in foreign currency, because the conversion fee of 2% adds up on every purchase
- Personal users who want a card for everyday household spending, since the card is built for business
- People who want in-person support, as support runs on phone, help centre and chat only
Who runs it
KTC is issued by Krungthai Card Public Company Limited, which is based in Thailand and has been operating since 1996. Help runs on phone, help centre and chat, so a card question can be taken by phone, through the help centre, in chat or in the community. The card itself runs on Visa, and its stated features point to travel and a virtual card for business spending.
How KTC credit card compares
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Where KTC credit card is available
- Available
- Thailand
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is the monthly fee on the KTC credit card?+
The monthly fee is THB 0 for the card. That places it at 1 of 379 brands on the site for monthly fee, alongside Monzo Flex at £0 and Wise at £0. Holding the card for everyday company spending therefore adds no monthly cost.
What does it cost to convert currency on the card?+
The currency conversion fee is 2%. That puts KTC at 151 of 237 brands on currency conversion fee, against a 1% median across the site. Charges land on every purchase priced in another currency.
Who is the KTC credit card for?+
The card is aimed at business users, so it suits companies rather than personal accounts. Its features are travel and a virtual card, which fits staff who book travel and online subscriptions for work. Personal shoppers would find other cards on the site closer to their needs.
Which network does the card run on?+
The card runs on the Visa network, the most common network in the site's comparison at 57.6%. That means it can be used wherever Visa is accepted, at the ATM and online. Visa is a network rather than a bank, so the card is issued by Krungthai Card Public Company Limited in Thailand.
Can I get a virtual card with KTC?+
A virtual card is one of the stated features, alongside travel. It works as an extra card for online bookings and subscriptions, which keeps a separate card number away from the main one. It suits business users who pay for a lot of services online.
How can I get help with the card?+
Support runs on phone, help centre and chat. Questions can go to the phone line, the help centre, live chat or the community, so most issues can be raised remotely. There is a community channel too, which is useful for quick answers between longer phone calls.
How old is the company behind the card?+
The card is issued by Krungthai Card Public Company Limited, a company in TH founded in 1996. An established issuer means the account is with a long standing corporate card provider rather than a new fintech, which some business owners prefer for expense accounts.
Sources
- cuelinks.com/campaigns/ktc-credit-card-th-affiliate-program checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“KTC was registered as a juristic person on 4th December 1996”
- ktc.co.th/about/product-disclosures/currency-risk-informa... checked September 26, 2026
Backs: Currency conversion fee
“cardholders agree that KTC will charge a currency conversion risk fee of not more than 2.0% of the company's reference exchange rate”
- ktc.co.th/contact/social checked September 26, 2026
Backs: Support channels
“Connect on all social media channels: LINE, Facebook, TikTok, YouTube, Instagram and X (Twitter)”
- ktc.co.th/credit-card checked September 26, 2026
Backs: Audience, Features, Monthly fee, Card network
“Business owners/self employed: registered more than 2 years, income more than 20,000 baht per month”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Card type, Protection.
KTC credit card
Business cardholders in Thailand who want a Visa with no monthly fee and a virtual card for travel.