TMB So Smart

TMB So Smart


TMB is pleased to inform that effective September 1, your Credit Card’s interest rate will be changed from 20% to 18%.


  • วงเงินอนุมัติสูงสุด

    Earn 1% cash back to TMB No Fixed account for every spending via credit card.

    Maximum cash back amount is 2,000 Bht / Statement cycle.

  • Visa Pay Wave

    Faster transaction with VISA payWave: Just touch, not having to insert the card and sign your name.

    Available for purchase below or equal to 1,500 Bht per sale slip.

  • ประกันอุบัติเหตุระหว่างการเดินทาง

    Travel accident insurance protection up to 7,000,000 Baht.

  • ไม่มีค่าธรรมเนียมแรกเข้า

    No entrance fee and annual fee!

  • TMB Credit Card - VISA PayWave

    TMB Credit Card - VISA PayWave

General Benefit 

TMB So Smart provides credit line for payment of goods and / or services in lieu of cash at the shops or places that display  Visa  signage worldwide. Cardholder is able do cash withdrawal from every ATM with  plus signage.


1% cash back to TMB No Fixed account

  • Earn 1% cash back to TMB No Fixed account for every spending via credit card up to 2,000 Baht/card/statement cycle.
  • Cash back amount is calculated based on any spending via credit card that is recorded in TMB system before the statement date. TMB will calculate the cash back amount on the statement date and will transfer the sum into TMB No Fixed account within 1 day after concluding statement for the next cycle. Cash withdrawal, TMB So GoOOD and TMB Pay Plan Installment plan, spending on all insurance products, mutual funds payment and cash out from credit card foreign exchange service are not entitled for this 1% cash rebate.
  • The applicants must have TMB No Fixed account in order to get 1% cash back transfer. Cash back for supplementary cards will be transferred to the deposit accounts of the primary cardholder.
  • In case TMB cannot transfer money to TMB No Fixed account for any reason, such as no record of No Fixed account in the Bank’s system, TMB will automatically credit the amount into TMB So Smart credit card instead.

VISA payWave

  • A contactless payment technology that ensures faster transaction: Just touch your card without having to insert it or sign your name upon purchase below or equal to 1,500 Baht per sales slip or under at the shops that display  visa paywave
  • Receive SMS alert for every amount spent via VISA payWave contactless payments.

Entrance fee and annual fee

  • No entrance fee and annual fee!

TMB So GooOD Installment Payment

  • Exclusive for TMB credit card holders: Enjoy installment plan at 0% interest rate up to 3 months for purchase of goods / services from a variety of participating shops worldwide or 10 months installment plan with special interest rate.
  • The minimum amount eligible for TMB So Good installment payment is 1,000 Baht / sales slip.
  • TMB reserves the right to give TMB Reward Plus bonus points or cash rebate into TMB No Fixed account in case your billed transaction is switched to TMB So Good installment plan. For further details, click here

Travel accident insurance
Cardholder will receive travel accident insurance protection when purchasing air tickets for domestic or overseas flight via TMB So Smart as follows:

  • Up to 7,000,000 Baht* travel insurance protection for cardholders, their spouses and children aged under 23 years when paying for air tickets via TMB So Smart.
  • Up to 17,500 Baht* coverage for flight delay, baggage delay, baggage loss and trip curtailment.

* Compensation claim will be considered based on the terms and conditions specified in the Insurance Policy issued by TMB, the results of which shall be deemed as final.

Instant cash withdrawal
Cash Advance up to 100% of the credit line*

  • Via the ATM that displays  plus  and  Cirrus signage worldwide.
  • Via TMB counters at all branches across the country

* Available cash withdrawal amount depends on the remaining balance in your account on the date of such withdrawal. Interest will be charged on every cash advance from the withdrawal date until the Bank receives full repayment, notwithstanding whether you make your repayment in full or at the minimum amount.

Interest-free grace period and minimum repayment

TMB offers financial convenience with maximum grace period of 50 days if full repayment of the outstanding amount is made on time. Cardholder may also choose to pay the minimum payment at 10% of monthly outstanding balance, but not less than 1,000 Baht.

Interest rate and fees 

Credit card fee

  • 18% per annum

Entrance fee

  • No Entrance fee

Annual fee

  • No Annual fee

Cash advance fee

  • Cash advance fee is charged at 3% of each withdrawn amount. Interest rate on cash advances will be calculated from the withdrawal date to the date cardholder make repayment in full.

Card issuance or card replacement fee

  • No card issuance or replacement fee

Currency conversion risk
The Cardholder agrees and accepts that any expenses incurred from purchasing goods and/or services and/or cash withdrawal via the credit card in any foreign currency shall be charged to the Cardholder in Thai Baht at the exchange rate being charged to the Bank by the relevant credit card company as of the date on which such amount is charged to the Bank, which may be changed depending on the exact date and time imposed on the Bank. If the transaction amount is not in US Dollar currency, such amount may be converted by the credit card company into US Dollars before converting into Thai Baht. The cardholder can check the exchange rate for preliminary reference at:

For VISA Card:

Applicant’s qualifications 


พนักงานบริษัท / ข้าราชการ / รัฐวิสาหกิจ ประกอบธุรกิจส่วนตัว
โดยมีฐานเงินเดือน 15,000 บาท ขึ้นไป
ประมาณการรายได้ต่อเดือน 15,000 บาท ขึ้นไป
อายุอยู่ระหว่าง 20 – 65 ปี อายุอยู่ระหว่าง 20 – 65 ปี
ทำงานที่ปัจจุบันเกิน 4 เดือนขึ้นไป ดำเนินธุรกิจในประเทศไทยไม่น้อยกว่า 2 ปีขึ้นไป


อายุตั้งแต่ 18 ปีขึ้นไป