Krungsri First Choice Visa Platinum

This entry-level credit card offers 0% installment plans at over 30,000 merchants in Thailand, with no annual fees for life.

Last checked on June 11, 2026. We may earn a commission when you click through.

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✓ No annual fee for life ✓ 0% installment at 30,000+ stores ✓ Earn 1 point per 25 THB spent
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Krungsri First Choice Visa Platinum

Visa

Our Verdict

Ideal for first-time credit card users looking for easy installments.

What it really costs

Annual feeFree for life No annual fee
APR Range 16% – 16%
Rewards1 point per 25 THB, 0% installment 30K+ stores 1%

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Who it's for

This card is for those who are new to credit and prefer a simple, fee-free option.

Watch out

The 16% APR may not be favorable for those carrying a balance regularly.

The good and the not so good

  • No annual fee for life
  • 0% installment at 30,000+ stores
  • Earn 1 point per 25 THB spent
  • Visa card network for wide acceptance
  • Limited rewards rate
  • 16% APR may be high for some
  • Basic features compared to premium cards
  • Lower rewards for frequent travelers

In-Depth Review

The Krungsri First Choice Visa Platinum is tailored for new credit card users, offering a straightforward structure without annual fees. With an APR fixed at 16%, it could become costly if balances are not paid off monthly. Earning **1 point per 25 THB** spent is simple, though the rewards are modest compared to cards like the Citibank Rewards Card, which offers more points per purchase. This card shines in its **0% installment plans** available at over **30,000 merchants** across Thailand, making it a practical choice for frequent shoppers. Customer feedback highlights the ease of use and wide acceptance due to the Visa network. However, it lacks premium features such as travel benefits, which are often found in higher-tier cards. For budget-conscious users, this card represents a low-risk entry into credit management, but for those seeking robust rewards or travel perks, alternatives may be more suitable.

Summary

The Krungsri First Choice Visa Platinum is great for beginners but may not satisfy more experienced users looking for extensive rewards.

What cardholders say

Cardholders appreciate the lack of fees and the convenience of installments, but some feel the rewards could be better.

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