CardX

บริษัท คาร์ด เอกซ์ จำกัด

About this app

Legitimate loan services. Apply and transact conveniently and securely through the app.

Ready cash? Choose CardX SPEEDY CASH.

Investment funds? Choose CardX SPEEDY LOAN.

Special online services all in one app:
•Convert your credit limit to cash and transfer to your account* with 'Dee Jang'.
•Withdraw cash without a card at SCB ATMs.
•Check your card statement conveniently via e-Statement.
•Choose your own bill payment method.
•Set a new PIN for added security.

CardX and SCB credit card customers can use their existing credit cards via the SCB EASY app as usual.

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

Interest Rates and Repayment for CardX SPEEDY CASH
•Maximum credit limit not exceeding... • 3 times your monthly income and not exceeding 500,000 baht.
• Minimum payment of 3% of the billed amount, but not less than 100 baht. If the outstanding debt and interest are less than 100 baht, the actual amount charged plus the installment payment for the goods/services will be collected, or the full amount of the billed sum will be paid.
• Repayment Period: Minimum 4 months and Maximum 36 months.
• 0% installment payment for goods/services, minimum 3 months and maximum 60 months, with participating merchants.
• Normal interest rate up to 25% per year.
• Interest is calculated using the reducing balance method (Effective Rate) or a fixed interest rate (Flat Rate).
• Interest is calculated daily according to the calendar year. This must not exceed the interest rate set by the Bank of Thailand.

For example:
• Transaction date: September 20, 2069, Amount: 10,000 THB
• Account statement date: September 25, 2069
• Interest rate: 22% per annum
• Interest calculated from the transaction date to the account statement date = 6 days
• Interest (10,000 x 22% x 6) / 365 = 36.16 THB

In case of timely payment (by October 10, 2069):
Debt amount as of September 25, 2069
Principal: 10,000.00 THB
Interest: 36.16 THB
Total debt as of September 25, 2069 = 10,036.16 THB

Minimum payment amount
3% (Total debt – Amount paid exceeding credit limit – Outstanding balance)
3% x (10,036.16 - 0 - 0) = 301.06 THB
+ Amount paid exceeding credit limit + Outstanding balance = 0 THB
Total minimum payment = 301.06 THB

In case of non-payment by October 10, 2026, and no further withdrawals:
Default interest rate = 22% + Default interest rate 3% = 25%
Interest is calculated from the closing date of the previous month's billing cycle to the closing date of this month's account = 30 days

Debt balance as of October 25, 2026:
Principal 10,000.00 THB
Current installment interest (10,000 x 25% x 30) / 365 = 205.48 THB
Previous installment interest = 36.16 THB
Total debt as of October 25, 2069 = 10,241.64 THB

Minimum Payment Amount
3% (Total Debt – Amount Exceeding Credit Limit – Outstanding Balance)
3% x (10,241.64 - 0 - 301.08) = 298.22 THB
+ Amount Exceeding Credit Limit + Outstanding Balance = 301.08 THB
Total Minimum Payment Amount = 599.30 THB

Interest Rate and Repayment for CardX SPEEDY LOAN
• Maximum credit limit is no more than 3 times your monthly income and no more than 500,000 THB.
• Normal interest rate is a maximum of 25% per year.
• Repayment period: Minimum 12 months and Maximum 72 months.
• Interest is calculated on a reducing balance basis (Effective Rate).
• Interest is calculated daily according to the calendar year. This does not exceed the interest rate set by the Bank of Thailand.

For example:
• Approval date: March 16, 2069, amount: 100,000 THB
• Installment payment due on the 16th of every month
• 12 installments of 9,270 THB each
• Interest rate: 20% per year
• Interest is calculated based on the number of days of each installment, counting from the date of the previous payment until the date of this payment (only for the first payment, except for the first 5 days after loan approval).
• Interest: (100,000 x 20% x 31) / 365 = 1,698.63 THB

In case of timely payment:
Installment of 9,270 THB on April 16, 2069 (payment due on April 16, 2069)
Principal: 7,571.37 THB
+ Interest: 1,698.63 THB
Remaining principal balance 100,000 – 7,571.37 = 92,428.63 THB

Case of early payment:
Payment of 9,270 THB per installment on April 16, 2026 (payable by April 14, 2026)
Principal: 7,680.96 THB
+ Interest: 1,589.04 THB
Remaining principal: 100,000 – 7,680.96 = 92,319.04 THB

Case of late payment:
Payment of 9,270 THB per installment on April 16, 2026 (payable by April 18, 2026)
Principal: 7,571.37 THB
+ Interest: 1,698.63 THB
Remaining principal: 100,000 – 7,571.37 = 92,428.63 THB
Overdue interest (2 days late) will be calculated in the next billing cycle: 109.58 THB.

Borrow only what you need and can afford to repay. Interest rate is 25% per annum.
*Terms and conditions apply as specified by the company. See more at cardx.co.th

Ratings and reviews

Poor Application it's shocking that in 2026 a major bank in Thailand release such a bad and unfriendly application to manage your credit card. application crashes often, useless security requirements, missing functionalities that were available previously in the SCB application. CIO of SCB need to be fired! They managed to piss me off.. a loyal SCB client.. that I started working with another bank.

As of last April 2024. You are a leading financial tech company but your app doesn't include all of your card types or products. It's obviously seen that ALL CARDX CREDIT CARDS cannot use the app. They have to be stuck in SCB Easy app. This causes the card holders cannot manage their card limitation to prevent fraud transaction while most of all other Thai banks or credit card companies launched this function ages ago... This is such a poor system and shows the company's performance.

Unfriednly interface and experiences for all the guest, cannot remove the cards by yourself but to hide only. So, stupid for purpose to seperate athe application for better experience which clear that its failed to do. Previously, SCB easy app is good enough to do every payment. but now split into 3 apps. That is not convenient while users need to switch in between. Not sure whose idea, to split application but may need to fire them!

What’s new

Default language - th
ยกระดับครั้งใหญ่แอป CardX เพื่อลูกค้าบัตรเครดิตใช้งานได้ทุกฟีเจอร์หลักแล้ววันนี้!

ไม่ว่าจะสมัครบัตรใหม่หรือใช้บริการใด โดยเฉพาะ ดีจัง เปลี่ยนวงเงินเป็นเงินสด ให้คุณกดโอนเงินเข้าบัญชีทันใจเช่นเคย

CardX พร้อมแล้ว "แอปเดียว เพื่อทุกธุรกรรมคล่องตัวไร้รอยต่ออย่างแท้จริง!"


CardX gets a major upgrade!

Enjoy full credit card features in one app—from new card applications to instant cash transfers via DeeJung.

One powerful app for all seamless transactions!