Credit card interest and minimum payment calculator
Enter your balance, interest rate and minimum payment to see how many months it takes and the total interest — versus paying more.
Fill in the form — the result appears here instantly
ℹ️ Results are estimates for planning. Real figures can differ with your situation and your bank or employer.
How it works: Credit card interest
Thai credit cards charge at most 16% a year on the outstanding balance, with a minimum payment around 8% (some banks also set a baht minimum such as 500). This page simulates month by month: add the month's interest, subtract the payment, repeat until paid.
Paying only the minimum makes the payment shrink with the debt, so it takes long and costs a lot. Enter “Pay each month” to compare a fixed payment. Results are estimates; banks calculate interest daily.
FAQ
What's the maximum credit card interest in Thailand?
16% a year, set by the Bank of Thailand.
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