Credit card limit calculator for Thailand
Enter one applicant or cardholder. The limit is the lowest of what card behaviour allows, what income carries after other debts and what Thailand’s rules allow, and the page names which one sets it.
Credit limit
The limit is ฿120,000, set by rules in Thailand (Bank of Thailand). Behaviour gives ฿150,000, income carries ฿200,000, and the market’s rules allow ฿120,000, which reflects an income cap in some markets and a repayment test in others.
High utilisation with enough statements paid in full earns the large increase.
Candidate limits
The lowest candidate is the limit, and a candidate with no cap has no bar.
Market rules for this person
| Rule | Cap for person | Applies |
|---|---|---|
| Monthly income below ฿15,000 does not qualify for a card. | No | |
| For monthly income from ฿15,000 to below ฿30,000, the limit is up to 1.5 times monthly income from each issuer. | No | |
| For monthly income from ฿30,000 to below ฿50,000, the limit is up to 3 times monthly income from each issuer. | ฿120,000 | Yes |
| For monthly income of ฿50,000 or more, the limit is up to 5 times monthly income from each issuer. | No |
These summaries cover each regulator’s rule for this tool and do not reproduce the full text. The issuer checks the current text. The lowest applicable cap is the market’s cap.
Behaviour decision table
| Months on book | Missed payments | Utilisation | Paid in full | Limit action |
|---|---|---|---|---|
| <6 | ANY | ANY | ANY | Hold limit |
| >=6 | >=2 | ANY | ANY | Cut by 50% |
| >=6 | 1 | ANY | ANY | Hold limit |
| >=6 | 0 | >=70% | >=50% | Raise by 50% |
| >=6 | 0 | >=70% | <50% | Hold limit |
| >=6 | 0 | >=30% | ANY | Raise by 25% |
| >=6 | 0 | <30% | ANY | Hold limit |
Rows paste as decision table cells, and the first matching row wins.
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Run these limit rules inside the credit decision for every application and cardholder, read limits held elsewhere from the bureau at that moment, and test threshold changes on past decisions before they go live. Start free
Show formulas
Behaviour limit, New applicant = Starting income multiple × Monthly net income Behaviour limit, Cardholder = Today’s limit × (1 + Large increase | Small increase) or × (1 − Cut after missed payments) Affordability limit = (Income share for all debt payments × Monthly net income − Other debt payments) ÷ Card payment share of limit Own income cap = Own income cap × Monthly net income Market = Lowest applicable market cap Credit limit = min(Behaviour limit, Affordability limit, Own income cap, Market), Rounded down Rounding step
The affordability limit assumes the card is fully drawn, and the behaviour rules are an example policy to edit, not a standard. Regulatory caps are summaries for this tool and are not legal advice.
Thailand credit card limit rules
The Bank of Thailand rules set a minimum monthly income of THB 15,000 and a maximum limit per issuer based on income. The page applies the relevant income cap and shows it alongside the affordability limit.
The credit card limit is the lowest of the behaviour, affordability, lender income cap and Thailand rules candidates. Which one sets the limit changes by applicant or cardholder, so use the decision table to review a case and edit the example behaviour policy.
Thailand credit card limit questions
How is a credit card limit set in Thailand?
The Bank of Thailand rules set a limit based on monthly income, with a different maximum for each income tier. The page compares that cap with behaviour, affordability and the lender’s own income cap.
What is the Bank of Thailand credit card limit by income?
Below THB 30,000 a month, the cap is 1.5 times monthly income per issuer. It is 3 times from THB 30,000 to below THB 50,000, and 5 times from THB 50,000.
What is the minimum income for a credit card in Thailand?
The minimum monthly income in the Bank of Thailand rule is THB 15,000. Below that, the rule says the person does not qualify for a card.
How do Thailand’s 1.5, 3 and 5 times limits work?
The multiplier depends on monthly income: 1.5 times below THB 30,000, 3 times from THB 30,000 to below THB 50,000, and 5 times from THB 50,000. The cap applies per issuer.
How can an issuer review a credit limit increase in Thailand?
The page compares the behaviour limit with what income carries and the Bank of Thailand cap. Its behaviour rules are an example policy that the issuer can edit.