What is PLANET SCB Card?

• SCB PLANET is a prepaid card that can be used as a cash alternative. It supports 14 currencies (including Thai Baht) and allows you to hold up to 13 popular foreign currencies on a single card: USD, EUR, GBP, JPY, AUD, CHF, SGD, HKD, NZD, CAD, CNY, KRW, and TWD (maximum 5 exchange transactions per day).
• Foreign currency exchange is available 24 hours a day at special exchange rates, and you can check the rates in advance via the SCB EASY application.

Benefits of the SCB PLANET Card

• Special exchange rates
• Reduced risk associated with carrying cash while traveling
• In case the card is lost or needs to be temporarily blocked, you can easily manage it yourself via the SCB EASY application.
• No currency conversion fee; you can exchange and store currencies in advance.
• No exchange rate risk fee for transactions in supported currencies.
• Seamless spending with Auto Conversion: If you make a payment in a supported currency but have insufficient balance in that currency, the system will automatically convert your available Thai Baht balance into the required currency at the prevailing special exchange rate at that time.

Are there any fees for issuing the SCB PLANET card?

• Issuance fee: THB 200
• Annual fee: None
• Card replacement fee: THB 200
• Lost card replacement fee: THB 200 (fee waived from January 1, 2020 – December 31, 2026)

What is the validity period of the SCB PLANET card?

• The card is valid for 5 years from the month of issuance.

Is there a minimum balance requirement to activate the SCB PLANET card?

• No minimum balance requirement

What should I do if I encounter issues while overseas?

• You can contact the SCB Call Center at +66 2777 7777 (call charges are subject to your telecom provider’s rates).
• You can seek assistance via LINE: SCB Connect or email [email protected].

What should I do if I lose my card overseas?

• You can temporarily block your card via the SCB EASY application 24/7.steps: Click.

Will I get the same card number or a new one when replacing a lost or damaged card?

• You will get a new card number.

When the card expires (5-year validity), will the bank automatically renew and deliver a new card, and will there be a fee?

1. Card renewal: The bank will automatically issue a replacement card with no issuance fee. The remaining balance will be automatically transferred to the new card, provided that the old card still has a balance during the renewal process.
2. The cardholder must have used the card (e.g., top-up, exchange, or spending) within the card validity period.

The bank will deliver the renewed card 30 days in advance. Customers are advised to verify their delivery address on the SCB EASY application, and notifications will be sent via SCB Easy Notification and LINE: SCB Connect.

If the card expires and is not renewed, will the card balance be automatically transferred to the customer’s account?

• Customers must perform the process themselves via the SCB EASY application. First, convert the balance into Thai Baht. Then, transfer it to the savings or current account linked to the SCB EASY application. The transfer will be processed immediately.  Steps: Click.

How can I apply for the card?

• Via the SCB EASY application: Steps: Click.
• At any SCB branch

Can I update my delivery address if it is incorrect?

• Yes, you can update the delivery address yourself via the SCB EASY application (before confirming the application).

What are the eligibility requirements for the SCB PLANET card?

• Be 15 years of age or older
• Hold an individual savings or current account with SCB (If you don’t have one yet, you can open a new account at any SCB branch nationwide.)
• Be a user of the SCB EASY mobile application (If not, you must first register for the service.)

If I have multiple SCB accounts, how many SCB PLANET cards can I apply for?

• Each customer is allowed only 1 SCB PLANET card, regardless of the number of SCB accounts held.

Can joint accounts apply for the card?

• No, only individual accounts are eligible.

After applying via the SCB EASY application, how long will it take to receive the card?

• The card will be delivered within 7 business days (delivery time may vary, depending on the courier service).

Can I use the card immediately after receiving it?

• No. You must activate the card via the SCB EASY application before use. Steps: Click.
  Note:Please activate the card within 180 days. Otherwise, the card will be automatically cancelled.

Will the PIN be delivered together with the card?

• No. You can set your own 6-digit PIN via the SCB EASY application after activation. Steps: Click.

What should I do if I forget my 6-digit PIN?

• You can reset your PIN via the SCB EASY application 24/7. Steps: Click.

What should I do if I enter the wrong PIN too many times (4 times in a row) and the card is locked?

• Please contact the Call Center at 02-777-7777 to unlock the card.

Why does my card display only part of my name?

• The card supports up to 19 characters (including spaces). If your name exceeds this limit, it will display the first initial of your first name followed by your full last name instead.

How can I top up my SCB PLANET card?

Top-up channels (you must top up the Thai Baht wallet first) are as follows:

• The SCB EASY application.
• Transfer from a deposit account to the card via the “Top Up Wallet” menu. Steps: Click.

Are there any top-up limits?

• Minimum top-up amount: THB 100
• Maximum top-up amount: THB 500,000
• The total daily top-up amount across all channels must not exceed THB 500,000 per card per day (including all currencies at the time of top-up).
• The maximum total balance across all currencies on the card at any time must not exceed THB 500,000 (except in cases where exchange rate fluctuations cause the balance to exceed this limit).

Can I top up another person’s card?

• Yes, via the SCB EASY application through the “Top Up Wallet” menu.

Can I exchange foreign currencies and store them in advance?

• Yes. You can exchange foreign currencies in advance before traveling abroad. Special rates can be checked via the SCB EASY application, and exchanges are available 24 hours a day.Steps: Click.

Are there any limits on currency exchange?

• You can make up to 5 exchange transactions per card per day, with a combined limit of THB 500,000 across all currencies (each purchase of foreign currency counts as one transaction, and each sale counts as another).
• Exchanges can be made from Thai Baht wallet to foreign currencies, or from foreign currencies back to Thai Baht within the card.
• Direct exchange between two foreign currencies is not supported. You must first convert to Thai Baht.

Can I top up the SCB PLANET card while overseas?

• Yes, but only via the SCB EASY application. Top-ups via other banks’ mobile applications are not supported.

How can I check my card balance?

• You can check your card balance via the SCB EASY application.
• Go to the SCB PLANET card page and select the “Wallet” tab. The system will display both “Wallet Balance (THB)” and “Wallet Balance (Other Currencies)”.

If I have remaining foreign currency in the card, can I transfer it back to my bank account?

• Yes, via the SCB EASY application. You must first convert the foreign currency into Thai Baht, then transfer the THB balance to an SCB savings or current account linked to the SCB EASY application. The transfer will be processed immediately. Steps: Click.

How can I view my transaction history?

• You can view your transaction history via the SCB EASY application.  Steps: Click.

If I travel abroad and change my SIM card (e.g., use SIM2Fly or a foreign SIM with internet), can I still use the SCB EASY application?

• Yes, the application can be used as usual.

How can I use the SCB PLANET card for spending?

• You can use the card at merchants with the VISA logo worldwide, both in-store and online, as well as in Thailand.
• You can withdraw cash at overseas ATMs displaying the VISA logo by selecting the “Credit Card” option (cash withdrawal in Thailand is not supported).

What is the daily spending limit?

• You can top up and spend up to THB 500,000 per day (combined across all currencies on the card).

Are there any limits on overseas ATM withdrawals?

• You can withdraw up to THB 300,000 per day (unlimited number of transactions, but the total daily withdrawal must not exceed THB 300,000).
• Overseas ATM withdrawal fee: THB 100 per transaction (additional fees may be charged by the overseas ATM provider).

For a transaction made after exchanging currency, which exchange rate is applied?

• On the transaction date (purchase or withdrawal), funds are deducted using the exchange rate applied when the currency was exchanged and stored on the card—not the rate at the time of the transaction.

If the balance in that currency is insufficient (e.g., JPY 50,000 balance but spending JPY 60,000), how will the deduction be calculated?

• If the balance in that foreign currency is insufficient, the system will automatically convert funds from the Thai Baht balance (Auto Conversion) to complete the transaction, using the exchange rate applicable at the time of the transaction.
• If the Thai Baht balance is insufficient or unavailable, the transaction will be declined.

Example:

• A customer has JPY 50,000 stored in the card and spends JPY 60,000. The system will deduct JPY 50,000 and convert Thai Baht available in the card to cover the remaining JPY 10,000.

If I top up only Thai Baht without exchanging foreign currency and use the card overseas, which exchange rate will apply, SCB PLANET or VISA?

• For transactions in the 13 supported currencies, the SCB PLANET special exchange rate will apply.
• For other currencies, the VISA exchange rate will apply.

Why is the Auto Conversion exchange rate different from the rate shown on the SCB EASY application at the transaction time?

• The Auto Conversion rate is a special bank rate, which may be higher or lower than the rate shown on the SCB EASY application at the time of the transaction. This is because there may be differences between the transaction time and the time the merchant processes and converts the transaction with the bank.

If a transaction is voided or refunded, which currency and exchange rate will be applied?

• For the 14 supported currencies (including Thai Baht), refunds will be made in the original currency without exchange rate changes.
• For unsupported currencies, refunds will be made in Thai Baht using the exchange rate on the date the merchant processes the transaction with the bank.

Examples:

Void transactions

• Example 1: A purchase of USD 100 fully paid with USD → refund of USD 100 to the USD wallet on the same day.
• Example 2: A purchase of USD 100 with only USD 80 available → deducted USD 80 + THB 600  (*1 USD = THB 30). Refund: USD 80 and THB 600 returned to respective wallets on the same day.

Refund transactions

• Example 1: A purchase of USD 100 fully paid with USD → refund of USD 100 to the USD wallet.
• Example 2: A purchase of USD 100 with only USD 80 available → deducted USD 80 + THB 600 (*1 USD = THB 30). Refund: USD 100 to the USD wallet only.

Why does the charged amount differ from the receipt? What should I do?

• The bank processes transactions in the currency charged by the merchant. Some merchants may apply their own exchange rates, which can cause differences in the final amount.
• If you notice a discrepancy, please contact the bank for assistance to coordinate with the merchant.
• To avoid unfavorable rates, customers are advised to always choose to pay in the local currency of the country (e.g., KRW when in South Korea).

Do I need to register “Verified by VISA” before using the card for online purchases?

• No. The SCB PLANET card is already registered, and you can use it for online purchases immediately.

For online purchases, should I select debit card or credit card?

• Select credit card.

Can I use the SCB PLANET card for VAT refunds for tourists?

• Yes. You can have VAT refunds credited to the card up to THB 500,000 per transaction. Please inform the merchant to process the Tax Refund transaction for you.