Skip to content
View in the app

A better way to browse. Learn more.

ASEAN NOW

A full-screen app on your home screen with push notifications, badges and more.

To install this app on iOS and iPadOS
  1. Tap the Share icon in Safari
  2. Scroll the menu and tap Add to Home Screen.
  3. Tap Add in the top-right corner.
To install this app on Android
  1. Tap the 3-dot menu (⋮) in the top-right corner of the browser.
  2. Tap Add to Home screen or Install app.
  3. Confirm by tapping Install.

Getting a Thai credit card

Featured Replies

Bangkok Bank have said they will issue me with a credit card (I've banked with them for 20+ years and hold a work permit) but have told me it requires my account to be "frozen". What does this mean? Is it just that I must keep a minimum balance in the account at all times? Does the 'credit' card just become a 'debit' card, which I have already?

Confusing.

If a real CC, then it is what it is, they just taking precautions they don't get stiffed, and will probably extend credit to amount deposited, or % over that.

Reality, no different than a debit card, but a CC, when a vendor, like car rentals & such, won't accept a debit card. If VISA, then comes with bonuses of VISA provisions, if any.

My USA VISA comes with no ATM fees, ever, anywhere, along with travel insurance, if using to book travel. So CC does have it's advantages, depending which financial institution is issuing them. Thai institutions, well, good luck with that one, but if needing a Thai CC, then that may be your only option.

Not just expats, as Thais run into the same issue, as wife had problem finding bank to issure CC without frozen account, since not working. We needed one originally for EV charging station apps, though not so much any more, as policies and payment options change, expanded to multiple pay options.

Edited by KhunLA

I previously had Citibank cc with a 50,000 baht limit. Had held work permit for about 10 years, applied online and a girl came to my home..this was 10-12 years ago. You may wanna check them out

  • Author
10 minutes ago, baansgr said:

I previously had Citibank cc with a 50,000 baht limit. Had held work permit for about 10 years, applied online and a girl came to my home..this was 10-12 years ago. You may wanna check them out

Sounds interesting! Why did a girl come to your home? I figured as a BB account holder, it would be easiest with them, but don't understand the "frozen" bit. If I can't get anywhere with them, I will try others. But is Citibank a Thai bank?

10 minutes ago, baansgr said:

I previously had Citibank cc with a 50,000 baht limit. Had held work permit for about 10 years, applied online and a girl came to my home..this was 10-12 years ago. You may wanna check them out

Citibank left the Thai market in April of 2024. UOB has taken over all their CC clients. I am with them now. At first the change over seemed a bit strange, but two years banking with them now and they are fine, actually have been quite good to me.

19 minutes ago, brewsterbudgen said:

Sounds interesting! Why did a girl come to your home? I figured as a BB account holder, it would be easiest with them, but don't understand the "frozen" bit. If I can't get anywhere with them, I will try others. But is Citibank a Thai bank?

My choice, either home or workplace, I think it meant a trip to BKK otherwise. According to the next post they are trading under UOB now

Create an account or sign in to comment

Recently Browsing 1

  • howerde

Account

Navigation

Search

Search

Configure browser push notifications

Chrome (Android)
  1. Tap the lock icon next to the address bar.
  2. Tap Permissions → Notifications.
  3. Adjust your preference.
Chrome (Desktop)
  1. Click the padlock icon in the address bar.
  2. Select Site settings.
  3. Find Notifications and adjust your preference.