Who it's for
This card is ideal for travel enthusiasts who frequently dine out and spend on travel.
KTC X Visa Signature Credit Card
Premium travel credit card from Krungthai Card with 3x KTC FOREVER points, Miracle Lounge access, and exclusive dining and golf privileges. First-year annual fee waiver.
Last checked on June 11, 2026. We may earn a commission when you click through.
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✓ 3x KTC FOREVER points on dining and travel expenses
✓ First-year annual fee waived
✓ Exclusive access to Miracle Lounge
KTC X Visa Signature Credit Card
Visa · travel
Our Verdict
The KTC X Visa Signature card is a strong choice for frequent travelers seeking premium benefits and rewards.
What it really costs
| Annual feeWaived first year. Waived if spending reaches THB 600,000/year. | $5k |
|---|---|
| APR Range | 16% – 16% |
| Rewards3x KTC FOREVER points on dining, shopping, travel in Thailand and foreign currency spending (per THB 600,000) | 3% |
| Welcome bonus25,000 KTC FOREVER points (worth THB 5,000 Starbucks voucher) when paying annual fee | $5k |
You'll be redirected to ktc.co.th
Watch out
Be aware that the high spending requirement for annual fee waiver might not suit everyone.
The good and the not so good
- 3x KTC FOREVER points on dining and travel expenses
- First-year annual fee waived
- Exclusive access to Miracle Lounge
- Sign-up bonus worth THB 5,000
- Dining and golf privileges
- Annual fee of THB 5,000 after the first year
- High spending threshold for fee waiver (THB 600,000/year)
- APR fixed at 16% may not be competitive for balance carriers
- Limited rewards categories compared to some competitors
- Requires good credit for approval
In-Depth Review
KTC X Visa Signature caters well to high spenders with its **3x KTC FOREVER points** on dining and travel purchases. The bonus of **25,000 points** (worth THB 5,000) upon paying the annual fee is an enticing incentive for new cardholders. Access to the **Miracle Lounge** adds a touch of luxury for frequent flyers.
However, the **THB 5,000 annual fee** can be a drawback if you don't meet the **THB 600,000** spending threshold for a waiver. The **16% APR** is fixed, which may not be the best for those who carry a balance. Compared to competitors like the SCB Abacus card, which offers broader rewards categories, this card may fall short for casual spenders.
Customer service reputation is mixed, with some users reporting slow response times. The user interface of the mobile app is functional but lacks advanced features found in rival offerings. Overall, those who travel frequently and spend heavily will likely find significant value here, but casual users might need to look for alternatives that offer more flexibility.
You'll be redirected to ktc.co.th
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