Check first! Prerequisites for requesting a credit card
- Age: Those who want a credit card must be 20 years of age or older, because at this age they are considered capable of taking responsibility and managing their own finances.
- Minimum income: Each financial institution and card type sets a different minimum income level. Normally, full-time employees must have an income of at least 15,000 baht per month, but for cards with higher benefits, they may require more than this income.
- Nationality: Applicants must be Thai nationals. Or if you are a foreigner, you must have a work permit (Work Permit) and clear evidence of income in Thailand.
- Financial history: The bank will check the credit bureau history to confirm that the applicant has no history of defaulting on debt payments. This indicates proper financial discipline.

Prepare complete documents before applying for a credit card. What are the must-haves?

For regular employees or those with regular income
- Identity verification document: copy of national ID card or a copy of government official/state enterprise identification card (with attached copy of house registration)
- Copy of ID card or a copy of government official/state enterprise identification card (with attached copy of house registration)
- Documents showing income: latest payslip (original or copy) or salary certificate (Must specify salary, position and length of service) Copy of past account statements (Statement) for at least 3-6 months.
- Latest payslip (original or copy) or salary certificate (Must specify salary, position and length of service)
- Copy of past account statements (Statements) for at least 3-6 months.

For business owners or self-employed people
- Identity verification document: copy of national ID card
- Copy of ID card
- Documents showing income: Copy of company/partnership registration certificate. (in the case of a juristic person) or a copy of the commercial registration certificate/trade registration (In the case of an individual) Copy of past account statements (Statement) both in the personal name and in the name of the business for at least 6-12 months.- Copy of company/partnership registration certificate (in the case of a juristic person) or a copy of the commercial registration certificate/trade registration (in the case of an individual)
- Copy of past account statements (Statement) both in the personal name and in the name of the business, at least 6-12 months.

How to choose the first credit card that meets your lifestyle needs
- Shopping enthusiast: If you like shopping both in stores and online. Look for cards that focus on accumulating points in multiples. or a cashback credit card that participates in promotions with stores you frequently use To make spending more worthwhile
- Travel Line: For travelers who like to fly. Cards that allow you to accumulate air miles, access to airport lounges, or provide free travel insurance. is the choice that answers the most needs
- Food and drink: If you enjoy going to great restaurants. Or hang out with friends often. It is best to choose a card that offers special discounts or promotions in conjunction with specific restaurants and cafes.
- Car Line: For those who use cars regularly. Choosing a card that offers high cashback when filling up with gas at your regular gas station will significantly reduce your monthly expenses.

Process for requesting a credit card Easier than you think
- Choose the "right" credit card for you: Start by choosing the card that suits your lifestyle. Whether it's shopping, eating and traveling, collecting miles or receiving cash back. Compare benefits, fees and promotions from each bank. In order to get the card that is most worthwhile and suitable for your needs.
- Prepare documents: This step is very important. Because complete documents will make approval quick. In general, required documents are divided according to occupation. As follows for full-time employees: Copy of ID card, copy of house registration. (Some banks may not require) most recent payslip or salary certificate, copy of bank account for the past 3-6 months for business owners: copy of national ID card, copy of company/partnership registration certificate (Copy not older than 6 months) Copy of personal and business bank accounts for the past 6-12 months.- For full-time employees: Copy of ID card, copy of house registration. (Some banks may not require) most recent payslip or salary certificate, copy of bank account for the past 3-6 months
- Copy of ID card
- Copy of house registration (Some banks may not require this)
- Latest payslip or salary certificate
- Copy of bank account for the past 3-6 months
- For business owners: Copy of ID card, copy of company/partnership registration certificate. (Copy not older than 6 months) Copy of personal and business bank accounts for the past 6-12 months.
- Copy of ID card
- Copy of company/partnership registration certificate (copy no more than 6 months)
- Copies of personal and business bank accounts for the past 6-12 months
- Submit an application: Currently, there are many convenient application channels. Apply online: This method is the easiest and fastest. You can fill out information and upload documents directly through the bank's website or application. Apply at a bank branch: If you are not convenient, apply online. You can travel to contact staff at the branch for advice and submit documents.
- Apply through online channels: This method is the easiest and fastest. You can fill out information and upload documents directly through the bank's website or application.
- Apply at a bank branch: If it is not convenient, apply online. You can travel to contact staff at the branch for advice and submit documents.
- Waiting for approval results: After submitting documents, The bank will take time to review the information and consider approval. Generally, it takes approximately 7-14 business days, during which the bank will check your credit history (credit bureau) for consideration.
- Receive card and activate: Once approved The bank will deliver the credit card to the address provided. After receiving the card Don't forget to call to activate via the automated system according to the steps specified in the attached document.

Includes frequently asked questions about applying for your first credit card.

1. What are the basic qualifications for applying for a credit card?

2. What documents are required to apply for a credit card?- Regular employees: copy of ID card, copy of house registration, latest payslip (or salary certificate) and copies of bank accounts for the past 3-6 months
- Business owner/self-employed: copy of ID card, copy of house registration, copy of company registration certificate (In the case of being a business owner) and a copy of your personal or business bank account for the past 6-12 months.

3. I'm a freelancer, I don't have a salary slip. Can I get a credit card?

4. After submitting the matter Within how many days will I know the approval result?

5. How should you choose the first credit card that's right for you?