Overview

Initial Impression: TTB Absolute is a premium credit card designed for individuals who value straightforward, uncapped rewards.

Benchmarking

TTB Absolute is a solid all-rounder in the mid-tier credit card space. While it may not dominate in any one category, it offers a well-balanced mix of travel perks, reward point flexibility, and lifestyle benefits that give it an edge over many standard cards. It’s especially appealing to cardholders looking for dependable value without paying top-tier annual fees

Earn Mechanism

TTB Absolute offers a straightforward and rewarding points system based on TTB Reward Points. Based on your spending, you can earn at the following rates

• Base Earning Rate: Earn 1 TTB Rewards Plus point for every 20 baht spent on eligible purchases
• Online Spending Bonus: Receive 2x points (i.e., 1 point per 10 baht spent) for all online transactions, including e-commerce, travel bookings, and digital subscriptions

You can see how this earn mechanism works in the examples below:

One thing to be aware of is the monthly cap on point accumulation. In the case of TTB Absolute, there is a common cap across both general and bonus categories at 200,000 TTB Rewards Plus points per billing cycle. This means that irrespective of the categories in which the points are earned, once you exceed the monthly cap of 200,000 TTB Rewards Plus points, you will no longer earn any more points.

Maximum Spending Eligible for Points 

Collecting Miles

One of the most popular ways to use your TTB Rewards Plus points is to convert them into airline miles. Miles can be redeemed for free flights, seat upgrades, or even priority services—making them a favorite redemption option for savvy travelers. So whether you're planning a weekend getaway or saving for a long-haul trip, those points you earn every time you tap your card can take you further than you think.

While converting TTB Rewards Plus points into airline miles is a great way to unlock travel perks, it’s important to note that you’re limited to TTB’s official airline transfer partners:

Note: For ease of comparison, all examples would refer to Thai Airways ROP miles unless otherwise stated.

Based on the points earn rate, we can infer the following miles earn rate for TTB Absolute:

Getting Cashback

Spending Overseas

When you use a credit card overseas, your purchases are charged in a foreign currency and then converted to Thai Baht. This conversion comes with a foreign exchange (FX) spread or fee—a hidden cost many cardholders overlook.

Most banks add a 2.5% to 3.5% FX spread on top of the exchange rate provided by Visa or Mastercard. That means if you spend ฿10,000 worth abroad, you could be paying up to ฿350 just in currency conversion fees.

TTB Absolute is one of the few cards in Thailand that charges only a 1% FX fee, significantly lower than the standard market rate. Here's why that matters:

For example, you spend 30,000 baht on an overseas trip.

With TTB Absolute, you'd save 450 baht on that single purchase. Over multiple trips or large international transactions, those savings really add up—making it a smart choice for travelers and frequent online shoppers alike.

Lounge Access

The TTB Absolute Credit Card offers complimentary access to over 1,100 airport lounges worldwide through the LoungeKey program. The complimentary lounge access is exclusive to the cardholder. Guests accompanying the cardholder may be allowed entry; however, they will typically be charged a fee, which varies depending on the lounge. It's recommended to check the specific lounge's guest policy and fees in advance.

Now, the next question may be “what lounges can I use in Bangkok”? For that, we’ve compiled a list of lounges available for LoungeKey holders  at Suvarnabhumi Airport:

Eligibility Criteria

To apply for the TTB Absolute Credit Card, you must meet specific eligibility criteria based on nationality, income, and employment status. Here's a breakdown of the requirements:

A. Ordinary Requirements:

Thai Nationals

Foreigner

B. Alternative Requirements:

The TTB Absolute Credit Card has no annual fee for both the primary cardholder and supplementary cards. This lifetime annual fee waiver is one of the card’s standout features, making it especially attractive for those seeking premium-style benefits without ongoing costs.

Annual Fee

The TTB Absolute Credit Card has no annual fee for both the primary cardholder and supplementary cards. This lifetime annual fee waiver is one of the card’s standout features, making it especially attractive for those seeking premium-style benefits without ongoing costs.

Primary Card

Supplementary Card

TTB supplementary cards do allow points to be pooled into the primary cardholder’s account. This means all spending across both the main and supplementary cards contributes to a single reward point balance. Pooling points from TTB supplementary cards is great because it helps you accumulate rewards faster and simplifies redemption by combining all spending into one account.

For example, if both you and your spouse spend ฿15,000 per month, you’ll earn points as if you spent ฿30,000—reaching travel or cashback rewards much quicker.