Interest and Fees Related to Credit Card Usage

  UnionPay Credit Card MasterCard Credit Card
1. Interest 　
　　 *Interest
16% per annum
　　 *Beginning date of interest calculation
　　 *Purchases Interest calculation begins from the date advance is made to merchant (posting date)
Interest calculation begins from the date cash advance is made
　　 *Cash advance
2. *Minimum payment required

5% of the total amount as per the monthly statement
3. Cash advance fee 3% of the withdrawal amount (except in China,mainland)

 

3% of the withdrawal amount
1% of the withdrawal amount in China, mainland
4. Interest free period Up to 52 Days from the posting date
5. Fees by card type Classic Card Gold Card Platinum Card Classic Card Gold Card Platinum Card
　 *Joining Fee Primary THB 500
Free		 THB 500
Free		 THB 500
Free		 THB 500
Free		 THB 500
Free		 THB 500
Free
Supplementary THB 500
Free		 THB 500
Free		 THB 500
Free		 THB 500
Free		 THB 500
Free		 THB 500
Free
　 *Annual Fee Primary THB 800 THB 1,300 THB 3,500 THB 800 THB 1,300 THB 3,500
Supplementary THB 800 THB 1,300 THB 3,500 THB 800 THB 1,300 THB 3,500
　 First year no annual fee; 5 times swipe purchase, no annual fee for the next year
6. Payment charges 　
　 *Bank of China (Thai) Public Company Limited no charge
　 *Automatic Payment no charge
　 *Counter Service 15 THB/Transaction (In Bangkok and Greater Bangkok Area), 20 THB/Transaction (In Upcountry Provinces)
　 *Tesco Lotus 10 THB/Transaction
7. Replacement card fee THB 200 per time
8. Copy of statement fee THB 200 per billing cycle (for period of earlier than past 3 months)
9. copy of sales slip fee 100 THB/Time for domestic transaction, 300THB/Time for international transaction
10. Replacement of credit card PIN fee THB 100 per time
11. Transaction investigation fee no charge
12. Debt collection fee no charge
13. Fees chargeble to tax no charge
14. Cost of FX risk Maximum 2.5% of mid-rate
15. Installment fee 3 Months 6 Months 9 Months 3 Months 6 Months 9 Months
(% of total amount paying in full upon request) 2% 4% 6% 2% 4% 6%

 

*Remark:

  1. —Fees and service charges of no. 3, 5, and 7-13 are VAT excluded.
  2. —If the cardholder uses the UnionPay credit card overseas (except China, mainland) or using the MasterCard credit card overseas, the cardholder authorizes the Bank of convert the foreign currency debt incurred from the credit card spending into Thai Baht by using the exchange rate of the company of which the Bank is a member (which is called the 'mid-rate'). In each payment collection, the Bank's calculation shall be based on the mid-rate plus a cost of FX risk premium.
  3. —Minimum payment required 5% of the total amount as per the monthly statement (Effective from Apr 2020- Dec 2023), 8% of the total amount as per the monthly statement (Effective from Jan 2024 - Dec 2024), 10% of the total amount as per the monthly statement (Effective from Jan 2025 Onwards)
  4. —Fees and charges are subject to change with the Bank announcement.

Please click to download: