What are the main criticisms of the Pay&Tour tourist bank card from Kasikornbank?

The Pay&Tour tourist bank card from Kasikornbank has received significant criticism from users. Common complaints include its limited usability, difficult access to foreign exchange booths outside of central locations, and the need for cash top-ups in foreign currency. Users have noted that many vendors do not accept card payments, and QR payments require an additional app. Additionally, the app is reported to be slow and poorly designed, causing frustration when trying to utilize features like PromptPay. Many users suggest that traditional credit cards or cash are far more practical in Thailand.