No Thai payslip or work permit? You can still get a Thai credit card by pledging your own savings as a guarantee. KTC starts at THB20,000, and your credit limit is tied to what you deposit.
Unless you have a well-paid job in Thailand, it can be difficult to get a credit card here. KTC, for example, wants foreigners to earn at least THB50,000 a month and to have worked in Thailand for at least two years. (Verified September 2026.)
If you don’t have a salary, then it’s going to be even more difficult. But that doesn’t mean that you can’t do it; you just need to know how.
In this article, we will point out how you can get a credit card without having income in Thailand.
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