You can apply for a credit card if you meet these conditions:

1. Primary card applicant must be over 20 years old. Applicant for a supplementary card must be at least 15 years old. If the supplementary cardholder is under 20 years of age, payments to the account can only be made from the bank account of a parent.

2. You must earn at least 15,000 baht per month.

3. You must not be blacklisted by the National Credit Bureau

4. You must not hold any loan that is being restructured.

5. Provide copy of house registration and national I.D. card. For supplementary card, please attach copy of primary card.

1. Provide copy of certificate of income or salary slip.

2. Provide copy of bank statements for past three months showing salary.

3. Provide copy of statement of fixed deposit, debenture or mutual fund (if any).

How can I apply for a credit card?

1. You can submit an application form at any SCB branch.

2. You can apply at www.scbcreditcard.com. An SCB staff member will contact you within five working days.

For your convenience, there are several ways to find out about your loan and payments:

1. Call the SCB Call Center at 02-777-7777.

2. Inquire by phone via the automated system using your credit card code number.

3. Inquire via ATM.

4. Inquire online via the SCB Easy website or mobile app. (To enroll in SCB Easy, please visit any SCB branch.)

You can make a payment any of several ways:

- Pay by cash or cheque using counter service at any SCB branch. (Please make your cheque payable to "Siam Commercial Bank for Credit Card")

- Pay by automatic debit from your SCB savings account

- Pay via ATM

- Pay via cash deposit machine (CDM)

- Pay online via the SCB Easy website, www.scbeasy.com

- Pay online via the SCB Easy mobile app

- Pay via Easy Phone

- Pay using counter service at any branch of Government Savings Bank

- Pay using counter service at any SCB branch

- Pay via the payment service at any post office nationwide.

Please contact the SCB Call Center at 02-777-7777.

Please contact the SCB Call Center and be ready to provide the necessary information, including amount of the credit increase requested, your job, monthly income, phone number and other financial information. Please send the documents by fax to 02-777-7000. Approval will be provided within one week.

Please contact the SCB Call Center at 02-777-7777. Please be ready to send proof such as a receipt, order cancellation or other confirmation.

Please contact the SCB Call Center at 02-777-7777. Our staff will check your information and update our record immediately.

Please request the change in either of two ways:
1. Visit your SCB branch and bring supporting documents.
2. Contact the SCB Call Center, 02-777-7777 and fax the supporting document.
Required Documents
1. Copy of I.D. card.
2. Copy of proof of change of name or surname. After approximately one week, you will receive a letter asking you to pick up your new credit card at the SCB branch you specified in the application. Your account will be charged a fee to issue the new card of 150 baht + 7% VAT. (Fee is waived for Platinum card account.)

Please contact SCB Call Center. Our service staff will take your request. Your new card will be issued as soon as possible. After approximately one week, you will receive a letter informing you to pick up your new card at the SCB branch your specified. Your account will be charged a fee 150 baht + 7% VAT for issuing the new card. (Fee is waived for Platinum card.)

You can report the loss or theft of your credit card as follows:

1. Ask SCB to freeze the card immediately by contacting the SCB Call Center, 02-777-7777. Press 1. (You will not be responsible for any charge made to your account starting 5 minutes after your card is frozen.)

2. SCB will freeze the card and issue a new one. The new card will have a new credit card number, new security code and new phone code. The new credit card and code will be sent to you by mail.

3. SCB will issue your new card at no fee.

You can ask that your credit card be temporarily frozen in case, for example, you left it at a store and can get it back. After you retrieve your card, please contact the SCB Call Center to unfreeze it.
Your credit card can be frozen permanently if you lose it. Please contact the SCB Call Center and ask that the card be frozen and request a replacement. You will receive a new card at your SCB branch within one week.

Please contact the SCB Call Center at 02-777-7777. The staff will check your information and ask your reasons for cancelling the card. When you confirm the cancellation, it will be done immediately. You must destroy the card and return it to an SCB branch.

•  A prepaid card that can be used as a cash alternative for payments of goods and/or services. It supports 14 currencies on a single card: THB, USD, EUR, GBP, JPY, AUD, CHF, SGD, HKD, NZD, CAD, CNY, KRW, and TWD.
•  Foreign currency exchange is available at special rates, and customers can check exchange rates before transactions via the SCB EASY application.

•  Special exchange rates.
•  Reduced risk of carrying cash while traveling.
•  Helps manage and control travel expenses.
•  If the card is lost or needs to be temporarily blocked, this can be easily managed via the SCB EASY application.
•  No currency conversion or exchange rate risk fees for transactions in supported currencies.
•  Seamless spending with Auto Conversion, where Thai Baht is automatically converted when the selected foreign currency balance is insufficient.

You can apply via:

•  Any SCB branch across Thailand
•  The SCB EASY application

•  Card issuance fee: THB 200
•  For lost cards, customers can contact the SCB Call Center to request a replacement. No fee will be charged for card replacement in this case.

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

•  Yes, via the SCB EASY application.

•  You can make up to 5 exchange transactions per card per day, including both buying and selling.

•  Yes. The card supports 13 foreign currencies: USD, EUR, GBP, JPY, AUD, CHF, SGD, HKD, NZD, CAD, CNY, KRW, and TWD.
•  Payments can also be made globally using Thai Baht (THB).

•  Yes. You must first convert the balance into Thai Baht, then transfer it to an SCB savings or current account linked to the SCB EASY application.

•  If international roaming is not enabled, you can use WiFi Calling applications to receive OTP via a phone signal.

•  Maximum total top-up and spending: THB 500,000 per day (all currencies combined).
•  Maximum cash withdrawal: THB 300,000 per day.

•  For voided transactions, the refund is issued in the original transaction currency.
•  For voided transactions with Auto Conversion, the converted amount is refunded in Thai Baht.
•  For refunded transactions, the refund is issued in the original transaction currency.

•  Contact the SCB Call Center at 02-777-7777 to request a replacement. Fees apply according to the product information on the SCB website: https://www.scb.co.th/th/personal-banking/cards/prepaid-cards/planet-scb-card.html (Product Information > Card Fees)

•  You can use the card at any merchant displaying the Visa logo, both in Thailand and worldwide, including for online purchases. 
•  You can withdraw cash at overseas ATMs (subject to a fee of THB 100 per transaction; additional fees may apply as charged by the local service provider).

• Select the “Cash Advance” (credit card) option.
• For more details, please refer to https://www.scb.co.th/content/media/personal-banking/cards/prepaid-cards/document/step-cash-withdraw.pdf

To be eligible for the SCB PLANET card, applicants must meet the following criteria:

•  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.)

•  Minimum balance: None
•  Issuance fee: THB 200
•  Annual fee: None

•  Within 7 business days, delivered to your registered address.

•  No. Once you receive your SCB PLANET card, you must first activate it via the SCB EASY app. After activation, the card will appear on the Account Summary page within the app, allowing you to make transactions with the card.

Via the SCB EASY application:

1. Und1er “Account Summary” Menu
    •  Select “Account Summary”
    •  Select SCB PLANET card
2. Under “Top Up” Menu
    •  Select “Top Up”
    •  Select SCB PLANET card

•  Yes, you can top up another person’s SCB PLANET card via the SCB EASY application. Simply go to the “Top Up” menu and enter the 16-digit card number of the card you wish to top up.

•  No foreign exchange risk fee (2.5%) when spending in supported currencies.
•  For payments and cash withdrawals in unsupported currencies, transactions will be converted to Thai Baht using the VISA exchange rate on the transaction (billing) date, with no foreign exchange risk fee applied.
•  Overseas ATM fee: THB 100 per transaction (additional fees may apply as charged by the local service provider).
• For more information about cash withdrawal fees, please refer to https://www.scb.co.th/en/personal-banking/cards/prepaid-cards/planet-scb-card.html (under Cash Withdrawal Section)

•  This feature is currently not supported.

•  Yes, it works normally.

•  Via the SCB EASY application.

•  You can contact the SCB Call Center at +66 2777 7777 (call charges are subject to your telecom provider’s rates).

•  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.

•  Yes, if these eligibility requirements are met:
    •  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.)

•  No, reapplication is not required if:
   1. The card has a remaining balance at the time of renewal, and
   2. The card has been used within its validity period (e.g., top-ups, currency exchange, payments, etc.)

•  A replacement card will be automatically issued and delivered approximately 30 days before the expiry date. You will be notified via the SCB EASY app and LINE: SCB Connect to review and confirm your mailing address for card delivery.

• This feature is currently not supported.

•  You can view past transactions for up to 4 months, including the current month.

•  You can check foreign exchange rates for the SCB PLANET card via the SCB EASY app by initiating a foreign currency purchase transaction and selecting your desired currency. The system will display the exchange rate before you proceed. Currently, the SCB EASY app does not support displaying exchange rates for all currencies.

•  Minimum top-up: THB 100 per transaction.
•  Maximum top-up: THB 500,000 per card per day.
•  Maximum balance: THB 500,000 across all currencies.

•  Please contact the SCB Call Center at 02-777-7777.
•  The statement will be delivered via email within 5 business days.

•  On the SCB EASY app, check whether domestic or international online payments are suspended in your card settings. If so, disabling the suspension will instantly restore your ability to make online purchases anywhere in the world as usual.

•  On the SCB EASY app, check whether domestic online payments have been suspended in your card settings. If so, please disable the suspension first, as suspending domestic online payments will also block you from transferring funds out of your card.

•  You can reset your PIN via the SCB EASY application:
    1. Under “Account Summary” Menu
        •  Select “Account Summary”
        •  Select SCB PLANET card

    2. Under “Other Services” Menu
        •  Set a new PIN

A debit card on the "Deny List" refers to a card that has been temporarily blocked from being used with certain merchants that utilize the Quick Payment Service. This typically happens when a payment attempt fails due to issues with the card or the bank account linked with the card. When a you swipe or tap a debit card to pay a merchant using Quick Payment Service, the merchant does not immediately deduct the amount from the account. Instead, they send a collection request to the bank 2–5 minutes later, or sometimes at the end of the day, depending on the merchant.

If the bank cannot deduct the funds from your account when the request is made, your card may be added to the Deny List for that merchant. This means you won’t be able to use the card with that merchant again until the outstanding amount is paid.

Common Reasons for Payment Failure:

1. Insufficient funds in the bank account linked with the card

2. Card issues, such as:

     o Frozen or expired card

     o Online payment function is disabled

     o Card not activated

     o Card limit too low

     o Unpaid annual fee

3. Technical issues between the merchant’s acquiring bank and your card-issuing bank. In Thailand, this often affects payments for expressways and electric trains.

You can check whether your card is on the Deny List and pay any outstanding balance via Krungthai Bank’s Mass Transit Support website by following these steps:

     (1) 1.Go to the Krungthai Mass Transit Support website. (Click)

     (2) Select your preferred language.

     (3) Register or log in.

     (4) Choose the merchant or service provider that you cannot make payment by the card.

     (5) Enter 16-digit of your card number.

     (6) View the outstanding balance.

     (7) If there is an outstanding balance, proceed to make a payment.

     (8) Wait approximately 60 minutes after payment for your card status to be updated.

Payment Methods to Clear the Deny List

     • Thai QR Payment (Recommended by SCB)

     • Debit/Credit Card

SCB has prepared a user manual covering registration, login, checking outstanding amounts, and available payment methods. Please refer to the information below for more details:

1. Checking Outstanding Payment Status

     1.1 Register (for first-time users) [Click for the instructions]

     1.2 Log in (for existing users) [Click for the instructions]

2. How to Pay the Outstanding Amount and Remove Your Card from the Deny List

     2.1 Thai QR Payment – (Recommended by SCB) [Click for the instructions]

     2.2 Debit or Credit Card Payment [Click for the instructions]

• Cardholders must hold an individual deposit account.

• Each card can be associated with one savings account and one current account.

• If you already have a savings account, you can request debit card services at any SCB bank branch.

• You can link up to five debit cards of any type to a single account.

Debit card holders have three limits:

1. The initial daily withdrawal limit is 20,000 baht per card, which can be increased to a maximum of 500,000 baht per card.

2. The initial daily payment limit for purchasing goods and/or services is 20,000 baht per card, which can be increased to a maximum of 500,000 baht per card.

3. The initial daily online shopping limit is also 20,000 baht per card, which can be increased to a maximum of 500,000 baht per card.

• Transfer funds between accounts linked to the card: up to 1,000,000 baht per card per day.

• Transfer funds to other individuals with a deposit account at Siam Commercial Bank: up to 500,000 baht per card per day.

• Transfer funds to individuals with deposit accounts at other banks: up to 500,000 baht per card per day.

For safety reasons, the card will be destroyed. Cardholders can request a new debit card through the SCB EASY app or any SCB branch. Bring your passbook and identification card for identity verification. (For e-Passbook accounts, use only your national ID card).

Freeze your card using the SCB EASY app or report the loss immediately to the SCB Call Center at 0-2777-7777.

Visit any branch to set a new card code. Bring your original debit card, passbook, and national ID card for identity verification. (For e-Passbook accounts, use the same debit card and ID card) Alternatively, use the SCB EASY app.

Starting October 8, 2022, all cards are enabled for online payments. Cardholders can lift online payment suspension via the SCB EASY app or by calling 0-2777-7777 and use their card for online shopping instantly.

Irregular status cards include canceled cards, those with unpaid annual fees, suspected counterfeit or fraudulent cards, or those suspended from online payments cannot be used for online shopping. Cardholders can lift a suspension through the SCB EASY app or call the SCB Call Center at 0-2777-7777 and use their card for online shopping instantly.

The daily limit is set at 20,000 baht. To increase the limit, cardholders can adjust it up to 500,000 baht per day.

Cardholders can adjust the limit using the SCB EASY app, ATMs, or contact the SCB Call Center at 02-777-7777.

No, they are separate. The general shopping limit starts at 20,000 baht per card per day and can be increased to 500,000 baht. The online shopping limit also starts at 20,000 baht per card per day and can be increased to 500,000 baht.

Yes, it's highly secure, utilizing standard security measures like card number, expiration date, security code/CVV2/CVC2, and the latest 3-D Secure version from Master Card Secure Code or Verified by Visa.

Cardholders can monitor their transactions through the SCB EASY app and SCB EASY Net. If any discrepancies are found, please notify the bank within 30 days of the transaction date by requesting a rejection of the transaction. Failure to do so will be deemed acceptance of the transaction, preventing further disputes or objections by the cardholder.

To pay for goods or services, tap your card near an EDC machine displaying the Contactless symbol. The transaction details are transmitted wirelessly to the card network. Payment confirmation is displayed on the EDC screen or terminal. No PIN is required for transactions under 1,500 baht. For amounts exceeding this, enter your PIN to complete the transaction.

Reach out to the SCB Call Center at 0-2777-7777 to report the incident and liaise with the branch owning the ATM.

Contact the SCB Call Center at 0-2777-7777 to review the transaction and coordinate with the bank responsible for the EDC machine.

Contact the store or website directly where the transaction was made to request a refund.

You can pay the outstanding annual fee through two methods:

1. At an SCB ATM with a transaction slip.

2. Contact the SCB Call Center at 0-2777-7777.

Starting October 8, 2022, OTPs for online transactions will be sent to the most recent secure phone number on file with the bank. To update this number, please contact any SCB branch directly.

You'll receive your card within 7 working days from the successful application date.

No, insurance coverage will cease immediately if the annual fee is unpaid, and no compensation can be claimed. Coverage will resume once the annual fee is settled in full.

You cannot renew an expired debit card. However, you can request a new or replacement card before the original card expires through the SCB EASY app or at a bank branch.

You can request a personalized card through the SCB EASY app or at a bank branch.

- If you apply via the SCB EASY app, a card displaying your first and last name will be automatically issued and delivered to the address you provided within 7 business days.

- If applying at a branch, inform the officer of your preference to have your name and surname on the card. It takes 7 business days for card issuance, and you must collect the card from the branch where you made the request.

You can temporarily suspend your card using the SCB EASY app or by contacting the SCB Call Center. To replace a lost or damaged card, apply through the SCB EASY app or at a bank branch. There's a replacement fee of 100 baht for issuing a new card.

No, to request Debit Plus card service, please contact your nearest bank branch.

Yes, you can opt for a virtual debit card via the SCB EASY app without needing a physical card. You can manage online payments, including suspending them, through the SCB EASY app or by calling the SCB Call Center at 0-2777-7777, and use the debit card for online shopping immediately.

Starting October 8, 2022, OTPs for online transactions are sent to the cardholder's latest secure phone number registered with the bank. You can verify this number during the OTP sending process. If you need to update this number, please contact any SCB branch.

To cancel your card, please contact the SCB Call Center at 02-777-7777 or visit any bank branch. Upon cancellation, any remaining annual fee will be refunded to your linked deposit account. If the cancellation date coincides with the annual fee collection date, any refund will be credited to your account the following day.

It's advisable to notify the bank before using your card abroad to facilitate monitoring and risk assessment. You can notify the bank by calling the SCB Call Center at 02-777-7777.

Your debit card remains valid until the annual fee is deducted for the subsequent year (12 months).
Debit Plus cards remain usable for an additional month after the annual fee payment due date. The card will show an overdue fee status for 11 months. During this period, you can pay the fee at SCB ATMs or contact the SCB Call Center at 02-777-7777.

Please verify if online payment services, both domestic and international, are suspended. You can check and lift the suspension using the SCB Easy app or by calling the SCB Call Center at 02-777-7777.

You can lift a temporary suspension via the SCB EASY app or by contacting the SCB Call Center. When reaching out to the SCB Call Center, cardholders need to provide either their 6-digit ATM card PIN or a 4-digit credit card PIN to complete the transaction.

This occurs because MRT consolidates daily travel fares and processes the charge once per day during the night. If the payment fails, the bank will settle the amount on behalf of the customer. As a result, the bank will block the card and record an outstanding balance for repayment.

The main causes are as follows:

1. Insufficient balance or POS limit is insufficient 
If the account balance is insufficient or the POS limit is insufficient, the transaction will fail, resulting in the card being blocked by the bank

Recommended action: Please contact the bank to settle the outstanding amount, maintain sufficient balance in your account, and increase your POS limit so the system can process the payment and remove the MRT Deny List status

2. Card not activated within the required period/strong>  
กIf you applied via the SCB EASY application, a Virtual Card is available for immediate use. However, the physical card must be activated within 60 days. If it is not activated within this period, the card will become unusable

Recommended action: Please request a new card to resume using MRT services

To protect your account security, the card will be destroyed. To get a new card, please visit any SCB branch and bring your account passbook and I.D. card.

Please cancel your card immediately via SCB Call Center, tel. 02-777-7777, press 1.

You can request a new card code at any SCB branch. Please bring your card, passbook and I.D. card.

Please contact SCB Call Center at 02-777-7777 to report the error and ATM location.

Please contact SCB Call Center at 02-777-7777 to report the error and ATM location.