Now Upgraded to CardX FLEX
Instant 24/7 ATM withdrawals nationwide and seamless bank transfers via the CardX app
Your upgrade brings the power to spend wherever Mastercard is accepted, across Thailand and in over 200 countries worldwide.
Effortlessly convert any purchase of THB 1,000 or more into flexible plans up to 36 months* via the CardX app
or up to 4.5X your average monthly income
from ATM Pool machines nationwide
at SCB ATMs
With Deejung Transfer service, installment plans for up to 36 months
of the outstanding balance (at least THB 100)
for up to 36 months* at participating merchants nationwide
(first-year annual, annual fee, withdrawal fee, money transfer)
Worry-free when not in use
CardX SPEEDY CASH transform how you manage money, offering instant access to your credit line exactly when life demand it. Where you're balancing daily expenses or navigating the unexpected,
CardX SPEEDY CASH is a cash loan product that provides approved credit without requiring collateral or a guarantor.
Cardholders can withdraw cash 24/7 and enjoy 0% installment payments for products and services for up to 60 months at participating merchants.
CardX SPEEDY CASH is suitable for employees and business owners who need a revolving credit line to manage cash flow, or for those who want to purchase products and services through long-term 0% installment plans for up to 36 months at participating merchants without paying a large amount upfront.
Applicants must have a monthly income of at least THB 15,000 and be between 20 and 60 years old.
Yes. CardX SPEEDY CASH cardholders can convert their credit line into cash and transfer it to a bank account through the CardX App or SCB EASY App by selecting “Credit to Cash”.
This is a convenient and fast way to access cash without visiting an ATM. Today, more than 85% of users choose to use their credit line through bank account transfer because it is simple and faster than withdrawing cash with the card.
CardX SPEEDY CASH cardholders can withdraw cash from any ATM Pool machine of participating banks nationwide.
Cardless cash withdrawal is also available. Cardholders can make a cardless withdrawal and collect cash at SCB ATMs.
CardX SPEEDY CASH has no 3% cash withdrawal fee, unlike cash withdrawal from a credit card.
It also offers a minimum repayment of only 3% of the outstanding loan balance, making it more flexible for customers who need cash and want to manage repayments more easily.
CardX SPEEDY CASH is a revolving credit line. Cardholders can withdraw cash or transfer money to their bank account multiple times, as long as there is available credit limit.
CardX SPEEDY LOAN is a personal loan. Once approved, the loan amount is transferred to the customer’s designated bank account one time only.
In simple terms, CardX SPEEDY CASH is suitable for customers who need a flexible revolving credit line, while CardX SPEEDY LOAN is suitable for customers who need a one-time loan for a specific purpose.
For CardX, customers can hold only 1 cash card: either CardX SPEEDY CASH or CardX FLEX.
In general, individuals with monthly income below THB 30,000 can hold cash cards from up to 3 financial institutions, with a total credit limit of up to 1.5 times their average monthly income.
For individuals with monthly income of THB 30,000 or more, the number of cards and credit limit will be assessed based on income, debt obligations, and repayment ability.
