BAY / Mastercard
Experience modern convenience with flexible rewards, cashback options, and benefits that suit your dynamic lifestyle.
Highlights
1Earn 1 mile for every 75 baht spend or 0.4% cashback on ALL spend
2Earn 5% direct cashback on online spending
3Earn 0.8% direct cashback on dining spend
How this card compares to the
average PointPlus score?
Who's this card for?
Earn Rates
Points3 points= 1 ROP mile100 points= 10% cashback3 points= 1 ROP milePreferential rate is capped at 3,750 Baht spend per month100 points= 10% cashbackPreferential rate is capped at 3,750 Baht spend per month
General
Earn 1 BAY Point for every 25 baht spend
Points Miles
General
Earn 1 BAY Point for every 25 baht spend
Points cashback
Restaurant
Earn 1 BAY Point for every 12.5 baht spend
Points Miles
Spend Cap
Restaurant
Earn 1 BAY Point for every 25 baht spend
Points cashback
Spend Cap
Points to MilesReceive 1 BAY Point for every 25 baht spend3 points= 1 ROP mileReceive 1 BAY Point for every 12.5 baht spend3 points= 1 ROP milePreferential rate is capped at 3,750 Baht spend per month
General
Earn 1 ROP mile for every 75 baht of General spend
Points
Points Miles
Restaurant
Earn 1 ROP mile for every 37.5 baht of Restaurant spend
Points
Points Miles
Spend Cap
Points to CashbackReceive 1 BAY Point for every 25 baht spend100 points= 10% cashbackReceive 1 BAY Point for every 25 baht spend100 points= 10% cashbackPreferential rate is capped at 3,750 Baht spend per month
General
Earn up to 0.4% cashback on General spend
Points
Points cashback
Restaurant
Earn up to 0.8% cashback on Restaurant spend
Points
Points cashback
Spend Cap
CashbackPreferential rate is capped at 3,750 Baht spend per monthPreferential rate is capped at 10,000 Baht spend per monthBAY points will also be earned at a rate of 1 BAY Point for every 25 baht spend.
General
Earn up to 0.4% direct cashback on General spend
Restaurant
Earn up to 0.8% direct cashback on Restaurant spend
Spend Cap
Online
Earn up to 5% direct cashback on Online spend
Spend Cap
On-top Bonus
Earn unit:
BAY Point
Baht per Point (Lower is better)
Perks
Fee
Primary Card
- Annual Fee 4,000 baht
Credit Card Fee Waiver Condition
- Primary Card: Waive primary card annual fee with at least one annual card transaction
- Supplementary Card: Waive supplementary card annual fee with at least one annual card transaction
Eligibility
Option 1: Minimum Income Qualification
- Requirement for Thai citizen: 15,000 baht per month or more
- Requirement for foreigners: 15,000 baht per month or more
Option 2: Non-Income Qualification
- Fixed Deposit Collateral: Hold fixed deposits of at least 500,000 baht at any commercial bank over the past 6 months
- General Deposit Collateral: Hold deposits of at least 1,000,000 baht with Krungsri over the past 6 months
- Business Owner: Have at least 300,000 baht in average monthly turnover over the past 6 months
