KBank - VISA Credit Card  (บัตรเครดิตกสิกรไทย-วีซ่า  )

• Chip-embedded cards that provide cardholders with enhanced security against credit card fraud up to international standards, and with scores of privileges at participating merchants
• Maximum credit limits for the first approval up to three times the applicant’s income
• Able to have up to five supplementary cards
• Maximum interest-free grace period is 45 days* (depending on the statement date) if full payment of the outstanding amount is made within the due date.
• Partial payment of at least 10 percent (and not less than THB1,000) of the amount shown on the credit card statement
• Able to be used at any merchant that displays the sign acknowledging acceptance of K-Credit Card throughout the country, or the VISA logo worldwide
• Cash advances up to your full available credit limit via KBank’s ATM machines and ATMs with the “ATM Pool” sign across the country, as well as ATMs with the “Plus” sign, denoting them as part of the VISA ATM network worldwide, or at VISA-affiliated bank counters. 
• Temporary credit lines available for payment of goods and services in emergencies in excess of your normal credit line (30-day credit period)
• Be entitled to travel insurance when using K-Credit Card to pay for legally-licensed transport services. The insurance coverage also covers one’s spouse and children aged less than 23 years old. The maximum insured benefit is THB 1 million for classic cardholders, THB 2 million for gold cardholders, THB 8 million for platinum cardholders,and THB 20 million for platinum signature cardholders. 
• Get scores of privileges, i.e., special discounts and marketing promotional benefits all year round.
• Your accumulated points earned under KBank Reward Points program, when using K-Credit Card to purchase goods , can be redeemed for gift vouchers or Royal Orchid Plus (ROP) frequent flyer mileage.
• KBank Smart Bill Pay service offered for utility bill payments/monthly expenses via automatic deductions from your K-Credit Card account.
• KBank Smart Pay program permitting installment payments on goods/services purchased via K-Credit Card with 0 percent interest rate at scores of leading merchants.
• K-mAlert service – You are advised of purchases on K-Credit Card and outstanding balances via SMS.
• Be entitled to a waiver of annual fee if you meet KBank criteria
• Convenient payment channels, e.g., K-mPay and K-Cyber Banking
  Exclusive Benefits for Platinum Cards*
• Round-the-clock Platinum Contact Center 0 2888 8889
• VIP Lounge at airports 2 times/year

* The Bank reserves the right to change these benefits

 Eligibility

• Classic card

     o Monthly Income THB 15,000 - THB19,999 for age between 20-45 years 
     o Monthly Income THB 20,000 or more for age between 20-80 years

• Gold card

     o Monthly income THB 30,000 or more

• Platinum card

     o Monthly incomeTHB 50,000 or more

Types of Cards/Credit Limits

• Classic card : THB30,000 - THB49,999
• Gold card : THB50,000 - THB1,500,000
• Platinum card : THB200,000 - THB3,000,000

Required Documents

• Credit card application form and a Letter of Consent to have your credit history checked by a Credit Bureau
• Copy of National ID card
• If the applicant is a foreign national, a copy of valid passport, visa and work permit are required and applicant must earn an income at least THB50,000 per month
• Income Evidence --
  • For fixed income earners:
    - Original/copy of a letter certifying monthly salary issued by employer not longer than six months
  • For business proprietors:
    - Copy of Certificate of Commercial Registration for company/limited partnership issued not over one year by the Ministry of Commerce 
    - Copy of deposit passbook of current/savings account passbook/statement showing entries over the past six months
    - In case of a personal account, copy of your deposit passbook with the page showing the account number and account name
    - In case of a corporate account, copy of the deposit passbook with the page showing the account number and corporate account name, together with a copy of Shareholders’ list certified within the past six months.
• For Foreign Applicants
• Minimum monthly income of THB50,000
• Copies of valid passport and visa  
• Copy of valid work permit 
• Income evidence