Is there a way I can apply for a credit card in Thailand? I have a Thai Citibank account and a Krungsri account. The problem is my Thai Citibank debit card doesn't work with Lazada or Grab so I always have to use an American credit card which has foreign transaction fees. I called Citibank Thailand and asked if I can apply for a credit card and they said no because I don't have a work permit, but what about with other Thai banks? Is this a federal law or what? I have an elite visa if that makes any difference. Thanks!