Credit card review answer introvert problem holds long since graduation!!!

I remember that when I graduated, I found a lot of information about credit cards. I was not sure which one was good for me, so I applied for many cards from many banks. In the end, many credit cards were selected with our own lifestyle. So far, there are 5 cards. 😅

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1.KTC Platinum (Mastercard)

📌 Salary: 15,000. - Up / month

💵 Annual fee: None

😃 Advantages:

• 0% installment 10 months

• Discount + code available from Titiktok shop, Grab, Line man,

Shoppee and Lazada.

• Every 25 baht spent = 1 KTC FOREVER score

• Accident Insurance + Travel Insurance

🤔 Disadvantages:

• Not very well known promotion + co-promotion shop to watch in

KTC mobile app or view web page

• Where to eat / shop a brand? Have to watch the store sign.

Or ask the staff if they have a promotion card

🗣 Comment: For those who do not want a promotion, cashback or collectible point seriously, we think that the card is not damaged because there is no card fee, and can use online shopping or food delivery.

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2.UOB Premiere (Mastercard)

📌 Salary: 30,000. - Up / month

+ 4 months or more (via Pro)

💵 Annual Fee: Free First Year After 5,000 + VAT 3500.-) * * The fee can be waived if the total expenditure is over 300,0000.- / year * *

😃 Advantages:

• The limit starts at 1.5 times the salary.

• There are a lot of promotions and shops.

• Free drink participating 1 cup / month including:

% Arabica / Pacamara Coffee / CPS Coffee /

DEAN & DELUCA / PAUL / TWG

• 15% OFF on Purchase Points at The Mall,

Emporium, EmQuartier, Emsphere, Paragon, Central.

• Get 5% cash back credit when spending from 800 baht

Up / Slip at Central Food Hall, Tops

Supermarket, Gourmet Market, Home Fresh Mart,

Villa Market and Foodland Supermarket

• Buy SF movie tickets for 69 baht / seat

• Miracle lounge Suvarnabhumi Airport 2 times / year

🤔 Disadvantages:

• High annual fee if you want to waive the fee

The annual card must be spent as required by the bank.

• 0% installment for only three months

🗣 Comment: The card is still kept because the starting limit is somewhat higher than the other card and feel that there are a lot of promotions. There are a lot of new joint shops. Most focus on spending time shopping for the supermarket + keeping it for emergencies (but the card fee is also very brutal)

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3.UOB Preferred (VISA)

📌 Salary: 15,000. - Up / month

+ 4 months or more (via Pro)

💵 Annual fee: free first year, after which 3,000 + VAT 10.-) * * A fee can be waived if the total expenditure is more than 15,0000.- / year * *

😃 Advantages:

• The limit starts at less than or equal to 1.5 times the salary.

• There are a lot of promotions and shops.

• Every 15 baht paid = 1 UOB Reward point

• The1 points add 2 points when spending 25 baht at Central, Robinson, Tops, Muji and Marks & Spencer.

• 15% cash back credit when spent at Arabica, Shopee, Lazada, Cafe Amazon, Dean & Deluca, Au Bon Pain, Krispy Kreme, Tops Daily, PACAMARA, BLACK CANYON, Matsumoto Kiyoshi and BOOTS.

• Travel insurance available

🤔 Disadvantages:

• Annual fees are still high if you want to leave

Annual card fees must be spent as required by the bank.

🗣 Comment: For us, we use this card most often because we like to buy Tops daily (rarely enter Seven) + for online shopping is worth it or when shopping in Central department stores that have to collect. The1 point is very suitable because we have both UOB Rewards and The1 point. There are also a lot of credit refunds. And the shops that participate in the card promotion are also very aware, it seems to be like picking this card out most often.

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4.KBank Platinum (VISA)

📌 Salary: 15,000. - / month

💵 Annual fee: free first year, after which 1,250.-) The fee can be waived if the card is used 12 times / year.

😃 Advantages:

• Contactless Payment (Use with MRT or Compatible Transit)

• Every 25 baht = 1 K-point

• Miracle lounge 1 time / month (card fee payer or 20,0000.- / year)

• Accident Insurance + Travel Abroad

• 0% installment 10 months

🤔 Disadvantages: -

🗣 Comment: Easy to use, just use at least 12 times / year, no longer charged for a card fee. Most like to spend time shopping with a contactless machine.

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5. Blue Credit Card

📌 Salary: 15,000. - / month

💵 Annual fee: free first year, after which 1,250.-) The fee can be waived if the card is used 12 times / year.

😃 Advantages:

• Contactless payment

• Get both Blueplus + points and K points

• Redeem every 500 K Points, reduce oil charge by 100 Baht

PTT Station / All 100 K Points 20 Baht discount at

Co-listed O.R. stores

• 4% cash back credit when refueling at PTT

• Miracle lounge 1 time / month (card fee payer or 20,0000.- / year)

• Accident Insurance + Travel Abroad

• 0% installment 10 months

🤔 Disadvantages: -

🗣 Comment: This is nothing to refuel with a pure fuel discount point.

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All of this is just our opinion, which is not the same for each person's lifestyle, ✨ what everyone thinks, or there are questions to share together. 💁‍♀️✨

# First credit card # Credit cards that should have # Credit card # New ending baby credit card