CardX FLEX is a revolving credit line that gives cardholders flexible access to funds in one card. It can be used for cash withdrawals, bank account transfers, retail spending, or installment payments at merchants that accept Mastercard in Thailand and overseas.

The key benefit of CardX FLEX is that both card spending and cash withdrawals can be converted into monthly installment payments later. This helps cardholders manage cash flow with greater flexibility by choosing the repayment plan that works for them, whether paying the minimum amount or paying in monthly installments.

CardX FLEX is not a credit card. It is a revolving credit line that allows cardholders to use the approved credit limit in multiple ways, including cash withdrawal, bank account transfer, retail spending, and installment payments at merchants that accept Mastercard.

The key difference is that CardX FLEX allows cash withdrawal without the 3% cash withdrawal fee normally charged on credit cards. Cardholders can also choose their repayment plan, such as paying the minimum amount or converting the balance into monthly installments, subject to terms and conditions.

For retail spending, CardX FLEX uses a loan credit line, so interest will be charged according to the product’s terms. This is different from a credit card, which may offer an interest-free period if the full statement balance is paid within the due date.

CardX FLEX is an upgraded version of CardX SPEEDY CASH, offering more flexible ways to use the credit line. Instead of mainly supporting cash withdrawal and cash transfer, CardX FLEX allows cardholders to withdraw cash, transfer money, pay by card, make installment payments, and scan to pay in one card.

New features added to CardX FLEX include card spending in Thailand and overseas through the Mastercard network, QR Payment via the CardX App without carrying the physical card, online and e-Commerce spending, and cash back of up to THB 1,000* from eligible card spending, subject to terms and conditions.

CardX FLEX also allows cardholders to convert card spending or online purchases of at least THB 1,000 per transaction into monthly installments through the CardX App for up to 36 months,* helping them manage expenses and cash flow with greater flexibility.

Yes. You can apply for CardX FLEX even if you have never had a credit card before, as long as you meet the eligibility criteria.

Basic eligibility for CardX FLEX includes a minimum monthly income of THB 15,000 and an age range of 20–60 years old.

CardX FLEX is not a credit card. It is a revolving credit line that can be used in multiple ways, including cash withdrawal, bank account transfer, retail spending, and monthly installment payments, subject to terms and conditions.

The key benefits are that cash withdrawal or cash transfer from the credit line has no 3% cash withdrawal fee, unlike credit cards, and cardholders can also enjoy 0% installment promotions for up to 36 months at participating merchants.

CardX FLEX can be used at merchants that accept Mastercard, both in Thailand and overseas, including online and in-store merchants in over 200 countries worldwide.

Yes. CardX FLEX can be used to pay for products or make installment payments online through websites or applications that accept Mastercard, such as Shopee, Lazada, and TikTok Shop.

Online shopping transactions can also be converted into monthly installments later through the CardX App for up to 36 months, subject to terms and conditions. The card can also be used for overseas online spending at merchants that accept Mastercard.

Applicants for CardX FLEX must have a monthly income of THB 15,000 or more and meet the company’s eligibility criteria.

Yes. CardX FLEX cardholders can scan QR codes to pay for products and services through the CardX App, without using the physical card.

QR payment makes it more convenient to use the credit line at merchants, restaurants, or payment points that support QR Payment, subject to the company’s terms and conditions.

CardX FLEX has no key service fees, including joining fee, annual fee, cash withdrawal fee, and bank account transfer fee

CardX SPEEDY CASH cardholders cannot apply for an additional CardX FLEX card.

From June 2026 onwards, the company will gradually issue CardX FLEX cards to eligible existing CardX SPEEDY CASH cardholders to replace the current card.

Until the new CardX FLEX card is received, cardholders can continue using CardX SPEEDY CASH as usual. However, the new CardX FLEX features will not be available until the new card is received and activated.

If you are a CardX SPEEDY CASH cardholder and have not received your CardX FLEX card yet, you do not need to apply again.

The company will gradually issue CardX FLEX cards to eligible CardX SPEEDY CASH cardholders starting from June 2026 onwards.

Until you receive and activate the new CardX FLEX card, you can continue using your CardX SPEEDY CASH card as usual.

Once the CardX FLEX card has been activated, the existing CardX SPEEDY CASH card will no longer be usable immediately.

For security, customers should destroy their old CardX SPEEDY CASH card after successfully activating the CardX FLEX card.

Yes. After switching to CardX FLEX, cardholders can still withdraw cash based on the approved credit limit.

The key benefit is that there is no 3% cash withdrawal fee, unlike typical credit cards. Cardholders can also transfer cash from the credit line to their bank account through the CardX App, making it easier to access cash without visiting an ATM.

CardX FLEX is suitable for installment payments because it can be used to pay for products and services at merchants that accept Mastercard, both in Thailand and overseas, and cardholders can later convert eligible purchases into monthly installments through the CardX App.

Cardholders can convert transactions from THB 1,000 per sales slip into monthly installments for up to 36 months,* making it easier to buy what they need without paying the full amount upfront.

In addition, CardX FLEX offers 0% installment promotions for up to 36 months* at over 20,000 participating merchants across Thailand, which is longer than typical credit card installment plans. This helps cardholders manage expenses and cash flow with greater flexibility.

CardX FLEX is different from Buy Now Pay Later because it is a revolving credit line that can be used more widely. It is not limited to specific BNPL merchants or platforms.

Cardholders can use CardX FLEX to pay in-store, online, in Thailand, or overseas at merchants that accept Mastercard. Eligible transactions from THB 1,000 per sales slip can then be converted into monthly installments through the CardX App for up to 36 months.*

CardX FLEX can also be used for cash withdrawal, bank account transfer, card spending, and installment payments in one card. This makes it more flexible than typical BNPL services in terms of where it can be used, repayment period, and cash flow management.

If you are looking for a cash card, CardX FLEX is recommended because it is an upgraded revolving credit line from CardX SPEEDY CASH, offering more flexible usage.

CardX FLEX allows cardholders to use the credit line in multiple ways, including cash withdrawal, bank account transfer, retail spending, scan-to-pay, and installment payments in one card, with no cash withdrawal fee or bank account transfer fee.

It also offers 0% installment promotions for up to 36 months at over 20,000 participating merchants across Thailand, making it suitable for those who want both cash access and more flexible installment options than a typical cash card.