Which credit card is the best first credit card in 2021?

Would you like to apply for a credit card but still don’t know which one to apply for or how to use it? Find out in this article.

Best Credit Cards in 2021

Citi Cash Back Platinum Card

This card is a cash back that has been accepted by many voices from Pantip or other channels, and it is the best card suitable for your first card as a new graduate credit card, or for a long time, but never had a cash card to back platinum

Featured Benefits

  • 11% cash back at BTS, Metro and Cafes Amazon (period 1 Jan 2020 – 31 Dec 2020)
  • 5% cash back at Grab, Boots and Watsons stores (1 Jan 2020 – 31 Dec 2020)
  • 1% cash back from other spending General amount disinding the promotion
  • The more you fill, the better. 1% returned at all Shell gas stations nationwide. When spending every 800 Baht/sales slip Sign up for cash back (period 1 Jan 2020 – 31 Mar 2021)

Other Features That Make Cash Back Platinum Interesting

  • Credit card limit 2 – 5 times income
  • Interest-free period is 55 days and the minimum payment is 5%.
  • Free fee when use up to 60,000 Baht in the year.
  • Interest at 16% per annum (based on the date of recording)
  • Get cash back all cycles

Terms and Conditions of Application

  • Primary card applicants age 20 years and above, supplementary card 15 years and older
  • Earn 20,000 Baht per month
  • regular work or government officials, state enterprises or business owners.
  • Apply for both Thais and foreign nationals living in Thailand.

Documents used to apply

Copy of ID card, house registration, income certificate/salary slip last month, copy of personal account for the past 6 months or copy of company registration certificate/ltd. For the past 6 months

The best credit cards in each category

Cash Back Credit Card

Titanium Credit Card Bangkok BankFor Bangkok Bank’s Titanium Credit Card, it’s a very brutal cashback because you can refund up to 2% of all initial balances, excluding any other promotions that will follow. For those who like to pay back and eat. The card is worth it.

Other Features of Titanium Credit Card Bangkok Bank Interesting

  • Credit card limit 2 – 5 times income
  • Interest-free period is 45 days and the minimum payment is 5%.
  • Free fee when use up to 5,000 Baht in the year.
  • Interest at 16% per annum (based on the date of recording)
  • Get cash back all cycles

Terms and Conditions of Application

  • Primary card applicants age 20 years and above, supplementary card 15 years and older
  • Earn 20,000 Baht per month
  • regular work or government officials, state enterprises or business owners.

Documents used to apply

Copy of ID card, house registration, income certificate/salary slip last month, copy of personal account for the past 6 months or copy of company registration certificate/ltd. For the past 6 months

KTC Cash Back Visa Platinum Credit Card

For anyone who wants a credit card refund. With income of 15,000 baht per month or new graduate, KTC Cash Back Visa Platinum It’s an interesting option that you can sign up for. Get cash back up to 0.8% cash back every time you use (starting at 0.4%) and free of entry fees. Unconditional Yearly For other promotions of this cashback credit card, you can follow the update here.

Other Features that make KTC Cash Back Visa Platinum credit card attractive

  • Credit card limit 2 – 5 times income
  • Interest-free period is 45 days and the minimum payment is 5%.
  • Free unconditional fees
  • Interest at 16% per annum (based on the date of recording)
  • Get cash back all cycles

Terms and Conditions of Application

  • Primary card applicants age 20 years and above, supplementary card 15 years and older
  • รายได้ 15,000 บาทต่อเดือน
  • regular work or government officials, state enterprises or business owners.

Documents used to apply

Copy of ID card, house registration, income certificate/salary slip last month, copy of personal account for the past 3 months or copy of company registration certificate/ltd. For the past 3 months

Loyalty Credit Cards

Citi Rewards Credit Card

Points accrual cards with no expiry date There are plenty of privileges to use when using participating store passes. If you like the card, you can choose this card, and if you don’t know what to redeem, you can choose it. There is also the option to change points to cash back.

Featured Benefits

  • Earn Citi Points 5x Rewards when using Lazada Shopee Rabbit LINE Pay and in restaurants, travel and foreign currency
  • Earn Citi Points 2x Rewards for other balances
  • Earn Citi Points 7x Rewards in the month of birth When using at the store or category above,
  • Earn Citi Points Earn 5x Rewards in travel category and get 5,000 Citi points when using at stores or categories above 150,000 Baht/quarter.
  • Get 2% cash back at all Shell gas stations nationwide When spending every 800 Baht/sales slip

Other Highlights That Make Citi Rewards Interesting

  • Credit card limit 2 – 5 times income
  • Interest-free period is 55 days and the minimum payment is 5%.
  • Free fee when use up to 100,000 Baht in the year.
  • Interest at 16% per annum (based on the date of recording)

Terms and Conditions of Application

  • Primary card applicants age 20 years and above, supplementary card 15 years and older
  • Earn 20,000 Baht per month
  • regular work or government officials, state enterprises or business owners.
  • Apply for both Thais and foreign nationals living in Thailand.

Documents used to apply

Copy of ID card, house registration, income certificate/salary slip last month, copy of personal account for the past 6 months or copy of company registration certificate/ltd. For the past 6 months

Bangkok Bank Visa Platinum Credit CardEarn Points, Earn Miles on a Single Card Bangkok Bank’s most popular loyalty card that responds to your lifestyle Whether it’s a traveling enthusiast, or a This card is available for you.

Featured Benefits

  • Frequent Flyer Miles Points can be redeemed for miles from leading airlines at
  • 1. Thai Airways International 2 points per 1 ROP Mile
  • 2. Bangkok Airways 1,500 points per 500 FlyerBonus
  • 3. AirAsia1 Points per 1 BIG Point

Other Highlights That Make Visa Platinum Bangkok Bank Interesting

  • Credit card limit 2 – 5 times income
  • Interest-free period is 45 days and the minimum payment is 5%.
  • Free fee when use up to 5,000 Baht in the year.
  • Interest at 16% per annum (based on the date of recording)

Terms and Conditions of Application

  • Primary card applicants age 20 years and above, supplementary card 15 years and older
  • Earn 20,000 Baht per month
  • regular work or government officials, state enterprises or business owners.
  • Apply for both Thais and foreign nationals living in Thailand.

Documents used to apply

Copy of ID card, house registration, income certificate/salary slip last month, copy of personal account for the past 6 months or copy of company registration certificate/ltd. For the past 6 months

How does credit card work? How to use it to its advantages

For those who have never used a card before. The function of the card is when you use a credit card. You’re borrowing money to buy something, and after that, you’ll need to refund the loan and have to return it for a specified period of time (mostly 30 – 45 days). If the full refund or the return is later, interest will be raised and you will have to pay more.

How to use a credit card in general

  • You swipe a card or fill in an online card – when you’re shopping for something, you just need to swipe the card at the store, or if you’re online, you’re tied to a service like PayPal or Google Pay, or you can fill out a form on the checkout page.
  • Trading begins to be monitored in the order – the payment machine will connect to your card company database. To verify the amount of the application and details.
  • The store receives your money – the company has paid your credit balance to the store and finished trading.
  • Trading is done – you receive the goods, the store receives the money, the payment is recorded in the system, and at the end of the month it is time for you to pay the credit card. If you are owed, there will be an increase in interest on fines.

This is how the card works, and every credit card in the world works like this. Here are some tips on how to use the credit card we deposit.

  • Choose the credit card that best suits your lifestyle to make the most of yourself.
  • Check your card promotions The information on accumulating points for each type of card, which can be read on the application documents or on the company’s website, is very important because if it is used well, it will be worth it.
  • Always pay off the debt in full. Pay before the due date. In order not to raise interest rates,
  • You can deposit with your credit card. This will temporarily increase your credit limit on the card (based on the deposit).
  • Card Fees It’s free. If you have more annual spending than each card, please consult with the call center.
  • When you’re in a lot of debt, I’m not sure if i’m going to be able to pay off. You can consult with the company’s call center first. To find a way to mediate the negotiations.
  • What’s the question? Ask more call centers Don’t forget that you’re a customer, not a debtor, so call center is kind to you, but don’t be mean to him first.

How to choose the right credit card for you

Choosing a Credit Card For those who haven’t had a first credit card, it can be difficult to decide because there are many cards on the market and there are different benefits. It is also difficult to change each credit card because it may take a year to complete the fee payment conditions.

Here are 6 tips for choosing your credit card.

1. See what credit card you used.

First of all, i don’t When choosing a credit card The first thing to think about is what you’ll use, whether it’s general use, or to use it as a special discount, such as bts, grab travel, quite often shopping, shopping, etc.

In general use cases, What to keep in mind is to look for the lowest interest credit card or give you the best value for money in order to make the most of your career, or if you use it frequently, choose a card that provides the best value for your lifestyle.

2. Monitor your spending habits

Holding a card makes it easier for you to manage your expenses. You can use a single card to pay for almost anything, including having a credit able to be a limited amount of money. So before making your first card, take a retrospective income account to see what you’re spending on.

  • Travel, pay for accommodation, hotels or frequent airfares.
  • Pay for petrol
  • The restaurant serves a variet
  • Used to do business
  • Buying something in a supermarket

Each card has different promotions, so you can see what you’re spending on. To compare with the promotion of each card and find the card that best suits your spending lifestyle.

3. Choose which credit card style is right for you.

  • A 0% installment card for installments at a low interest rate to help control spending when you want a high price but don’t want to pay at all.
  • Cashback Card : Cash Back Card For those who want their balance back. No need to earn points to help reduce your monthly costs.
  • Tourist Card If you’re a frequent traveler, almost every month there’s a trip. I want to earn points, earn miles. Choosing a card like this will give you a better travel experience. Give you benefits every time you travel.
  • Business Card In the event of foreign exchange or trading in business, This type of card reduces costs and gives you the best rate of value.

After you select your card, you can select the card. Now let’s see which one benefits you best.

4. Study the terms of spending and fees.

There are many more information you should know when making a credit card, but it’s always a good idea to read every letter before applying or consult with the Call Center to help you with your card.

  • Interest rate Of course, this is a form of loan lending. Therefore, it is important to study how interest is charged.
  • Rewards Points see what points you’ll earn when you use your card. Or how best to see what rewards you have in each system.
  • Minimum payout In the event that the funds are not in time to be used, the The minimum payment can be made before you pay. Most of them are 10% of the total amount.
  • What are the fees? Check the fees for what you’re going to lose. Sometimes, before swiping your card, ask the store as the store will always charge an extra fee.
  • Annual Fee Use of cards is charged, but in some cases you can apply for a free fee. Consult with a Call Center or Sales staff before applying.
  • New Member Bonus Of course, each card has different promotions. Some promotions are very appealing, so study whether it’s worth it.

5. Check the terms and conditions of the application.

All right, you might find a card in your heart that you want to sign up for. This promotion is the most responsive lifestyle, but now let’s see if you can apply for it. For the most part, Here are the conditions for applying:

  • Work regularly, civil servants or do personal business. It’s a freelancer.
  • Monthly Income
  • What is creditburo?

This is a rough condition that you can apply for a pass or not pass, so read the details first.

6. Apply and await the results of approval.

The final step is to apply, submit documents to the company and await the results of approval. Normally, if you are in the conditions that the company and each card receives, you will be waiting for the result and will only receive a credit card for 5-7 business days.

Frequently Asked Questions

How is credit cards different from debit cards?

A credit card is a prepayment from the bank that we hold first. The debit card is a loan from the amount we have to pay for the goods and then pay it back later in the period.

What’s the credit card?

If we have a condition that matches the bank’s acceptance, we will not be accepted. It’s easy to do any one thing, most lying on a full-time basis, and there’s financial evidence such as a payslip, a double slip.50 Or the 3, 6-month accounting report to the issuer, ensuring that it will take a short time to verify.

Credit card.

Can be used to purchase goods, services in advance. It also provides refunds or points that can be exchanged for items or used for travel. The hotel is very clean and comfortable. This increases the likelihood of a discount on spending more time shopping.

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