• What’s Good
  • What is KTC DIGITAL​
  • How to use​


Experience more than you see

“More Secure”

Shop online confidently with a dynamic CVV – a security code that changes every time you request. All accessible through the KTC Mobile app.

“More Convenient”

For a life on the move, use it instantly online and scan to pay after approval. Add your card to device pay apps like Google Pay, SwatchPay, and others, all available here.


Enhance every spending moment at general stores with a numberless, magnetic stripe-free card. Eliminate concerns about data theft.


Digital Lifestyle

Apply by yourself through online channels. Shop online seamlessly,
and start using it immediately upon approval.

More Secure

with the numberless card and magnetic stripe-free, you can use it with Electronic Data Capture (EDC) machines and Automated Teller Machines (ATMs) that support transactions using chip cards and contactless payment only.

Request for the numberless card through the KTC Mobile app today!


VDO How to use

Recommend features


How to use

howto.choose category
1. Select KTC Card then select “Activate”
2. Select “Activate Card” and enter OTP toconfirm activation
3. Enable the credit limit and slide to confirm
4. Card Activation successful


Annual Fee

Annual Fee

No annual fee for life.

Enjoy year-round online shopping privileges offered by Mastercard®

Enjoy year-round online shopping privileges offered by Mastercard®

Get discounts all year round at participating online partners, where terms and conditions applied.

E-Commerce Protection

E-Commerce Protection

Enjoy worldwide coverage of up to USD 200 for your online purchases through KTC MASTERCARD credit card when you experience non-delivery and/or incomplete delivery, 1 Jan 24 – 31 Dec 25.



Providing advice and information/assistance on

• Air-ticket, restaurant reservations and gift & flower delivery.

• Special event notification.

• Home maintenance service.

• Medical emergency service.

The above services are intended for providing information, recommendation and coordination for personal use only, and not intended for commercial or illegal purposes. The cardmember shall be held responsible for the expenses incurred from such services.

KTC PERSONAL ASSISTANT is available 24 hours every day at 02 123 5000 press 0.

For more information, please visit https://www.ktc.co.th/personal-assistant

Easy Installments

Easy Installments

Pay products / services with a special interest rate of 0% up to 10 months through the installment payments with KTC credit card

Special for KTC DIGITAL PLATINUM MASTERCARD credit card. Get special 0.69% interest rate for installment plan via KTC PHONE from any spending in Hong Kong, Singapore, Malaysia and Indonesia.

Full payment can be changed to installment payment
Change your full payment amount for the purchase of products/services of the next billing cycle into the installment amount at 0.74% interest rate, up to 10 months, easily via the KTC Mobile app or by calling KTC PHONE 02 123 5000 press 4.

Accidental Insurance

Accidental Insurance

Special privilege for new KTC credit card members: receive PA Insurance coverage up to 300,000 baht for 90 days from the card activation date.

Travel Insurance

Travel Insurance

Insurance coverage for international & domestic flights and lost or damage baggage. More details

Cash Withdrawal

Cash Withdrawal

Cash withdrawal with the amount not exceeding the current outstanding balance or maximum of 500,000 THB/day via KTC Mobile app

Rewards Points

Rewards Points

Every 25 THB spent with KTC credit card earn 1 KTC FOREVER point. Points can only be redeemed for products/services at participating stores nationwide. No expiration on KTC FOREVER points.

Pay on-the-go easily anywherePay on-the-go easily anywherePay on-the-go easily anywherePay on-the-go easily anywhere

Pay on-the-go easily anywhere

While you're out for a run, you can hop into a corner store to buy water, without needing your wallet or phone. Fitbit Pay , Garmin Pay , Google Pay and SWATCHPAY! bring payments to your wrist with KTC credit cards.

Application Details


Primary Card

  • Minimum age of 20 years old
  • Minimum monthly salary of 15,000 Baht
  • Minimum monthly salary of 50,000 Baht (Foreigner)
Remark: For new applicants who had ever been KTC cardmember, KTC reserves the right to approve the KTC card for the applicants who have cancelled KTC card for more than 2 years (24 months).

Supplementary Card

  • 15 – 80 years of age.
  • Required Documents
    - Copies of identification cards of both primary and supplementary cardmembers.
    - Applicants below 20 years of age must provide a consent letter from legal parents or authorized representatives, unless the applicant is a child of the primary cardmembers and a house registration of the supplementary applicant.


For individuals with regular earnings / office workers / government officers

  • A copy of valid Identification Card
  • Documentation for proof of income, such as salary certificate / salary slip / withholding tax certificate
  • Copies of the most recent 6-month bank statements, along with the front page of the bank account stating your name and account number

For entrepreneurs / freelancers

  • A copy of identification card
  • Copies of the most recent 6-month bank statements, along with the front page of the bank account stating your name and account number
  • A copy of company or commercial registration certificate (if applicable)
  • A copy of the list of shareholders (if applicable)


Minimum monthly income of 15,000 THB
Minimum monthly income of 50,000 THB (Foreigners)

Digital Self-Apply Channels​

Existing KTC credit cardmembers

Apply via
KTC Mobile App
No documentation required

New customers​

and submit documents
via mobile phone.

Or submit the information for agent to contact you​