CardX v3.0.1

Credit card and legal loan services

CardX credit card, swipe and receive benefits every day, available on the CardX app today!
CardX SPEEDY CASH cash card, ready-to-use cash
CardX SPEEDY LOAN personal loan, investment lump sum

All online services in one app
•Easy to apply for anything, quick approval results
•Don't miss out on promotions, easy to receive with just one click
•Credit card, swipe and pay in installments at 0% interest for 4 months*
•Can request to increase credit limit, adjust your own limit, spend safely
•Change credit limit to cash, transfer to account For CardX credit cards and CardX SPEEDY CASH cash cards
•Withdraw money without a card
•Check your balance via e-Statement
•Choose your own bill payment method
•Set a new PIN for convenience when withdrawing cash at SCB ATMs

For CardX/SCB credit card customers, you can still use your original credit card by using the SCB EASY app as usual.

•CardX Contact Center Tel. 1468
•LINE: @CardXThailand
•Website: cardx.co.th
•Facebook: CardX Thailand
Card X Co., Ltd. 9 Ratchadaphisek Road, Chatuchak Subdistrict, Chatuchak District, Bangkok 10900

CardX Credit Card
CardX credit card is a credit card issued by Card X Co., Ltd. for use in paying for products and services instead of paying in cash at stores or service establishments nationwide and worldwide with the VISA, MASTERCARD or JCB symbols (depending on the card type) and for withdrawing cash in advance (within the credit limit approved by the company) with an interest-free repayment period of up to 51 days. From the date of the summary of the transaction, if the full amount is paid on the due date, no interest will be charged. In the case of cash advances, interest is charged from the date of cash withdrawal and there is a cash advance fee and no interest-free period.
• The maximum credit limit is not more than 5 times the average monthly income or average cash flow in the deposit account or not more than 10% of the fixed deposit or savings deposit or investment value in debt instruments and mutual funds, in accordance with the announcement of the Bank of Thailand.
• Interest rate 16% per year
• Minimum repayment rate 8% of the amount to be paid according to the credit card statement each month (2025) / 10% of the amount to be paid according to the credit card statement each month, but not less than 500 baht, whichever is higher (2026 onwards)
• Cash withdrawal fee 3% of the amount withdrawn and VAT 7%

CardX SPEEDY CASH cash card
• Maximum credit limit 500,000 baht or not more than 3.5 times the monthly income
• Minimum payment 3% of the amount charged but not less than 100 baht In the case of debt and interest less than 100 baht, the actual amount will be charged plus the amount paid for products and services or the full amount will be paid (Repayment Term)
• Pay for products and services in installments at 0% interest for up to 36 months with participating merchants (Period of Repayment)
•Normal interest rate (Effective Rate) 25% per year
•Calculate interest on a reducing principal and interest basis (Effective Rate)
•Calculate interest daily according to the calendar year, but not exceeding the interest rate set by the Bank of Thailand

Example of calculating interest on a CardX SPEEDY CASH cash card
• Transaction date 30 May 67, amount 5,000 baht
• Account summary 5 June 67
• The interest rate that the customer receives is 25% per year
• Interest is calculated from the date of the transaction - the account summary date = 7 days
• There are 366 days in 2567
• Interest (5,000 x 25% x 7) / 366 = 23.90 baht

Personal loan CardX SPEEDY LOAN
•Maximum credit limit of 500,000 baht or not more than 3.5 times of monthly income
•Maximum annual interest rate (Effective Rate) 25% per year
•Calculated interest rate using the reducing principal and interest method (Effective Rate)
•Calculated daily interest rate according to the calendar year, but not exceeding the interest rate set by the Bank of Thailand

Example of calculating interest on personal loan CardX SPEEDY LOAN
•Approval date June 16, amount 100,000 baht
•Pay installments every 16th of every month
•Pay in 12 installments, 9,510 baht per installment
•Interest rate that customers receive 25% per year
•Interest is calculated according to the number of days of each installment, starting from the date of payment of the previous installment until the day before the payment date (only for the first installment, except for the first 5 days of interest calculation from the date of loan approval)
•Interest (100,000 x 25% x 31) / 365 = 2,123.29 baht

Use only as necessary and repay in full as scheduled To avoid paying 16% interest per year
Borrow only what you need and can repay. Interest rate 25% per year
Terms and conditions are as specified by the company. See more at cardx.co.th