Cards are widely accepted in the tourist industry such as in restaurants, shopping malls and shops catering to tourists. Fraud is common though, so use them sparingly and tell your bank in advance, so your card doesn't get locked down because you are using it. Some businesses add a surcharge (usually 2-3%) if you're paying by credit card; in this case, it can turn out cheaper to pay them in cash.

Just as with ATM withdrawals, you may occasionally be offered the option to have the transaction charged directly into your home currency or Thai baht. In this case, always choose to be charged in Thai baht as the rate offered by the merchant will be less favourable to you.