#1-฿1,949/yr
KBank Prestige
4% · Travel & Miles
Best net value on this list — about -฿1,949/yr in your pocket after fees on typical spends.
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Age 20–65 · From ฿70,000/mo income · Unsecured
Travel & Miles·KBank
Flagship Signature earning K Point with waiver when you hit annual spend or transaction thresholds.
Age 20–65 · From ฿70,000/mo income · Unsecured
Key Benefits
All 6 benefits →Travel / selected
Up to 3X K Point
Other spends
1X K Point
Annual fee
฿3,999
Waiver on spend/tx thresholds
Travel
3 pts/150
High annual fee — may not pay off at moderate spend
At ฿23,000/mo, net value is -฿4,033/yr after the ฿3,999 annual fee. At modeled spend levels, rewards alone may not cover the fee — this card is for lounge, travel, and lifestyle perks more than raw cashback math.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: KBank THE PASSION product page / fee schedule (2026)
Flights, hotels, zero forex options
Source: KBank THE PASSION product page / fee schedule (2026)
Travel / selected
Up to 3X K Point
Other spends
1X K Point
Annual fee
Waiver on spend/tx thresholds
฿3,999
See worked examples of how points convert to cash value
travel — 3 pts per ฿150 spend
You spend
฿5,000
You earn
100 pts
Worth ≈
฿20
@ ฿0.20/point
all — 1 pts per ฿150 spend
You spend
฿5,000
You earn
33 pts
Worth ≈
฿6.67
@ ฿0.20/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ฿0.20/pt in calculations.
Based on moderate spend for this market
Est. net annual
-฿4,033
per year
Annual fee
฿3,999
per year
Effective return
-1.5%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿3,999 · Forex 2.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿3,999
Annual / renewal fee
Charged every year unless waived
฿3,999
Forex markup
2.5% on international transactions
Finance charges
≈1.5–1.75% per month (18–21% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
Typically ฿200–฿800 depending on statement balance — always pay on time
Reward redemption fee
Usually ฿0 for cashback cards; points cards may have ฿50+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
20–65 years · ฿70,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (฿23,000/mo), gross rewards are about ฿416/year. After the ฿3,999 annual fee, net value is approximately -฿4,033/year. Use the calculator above to model your own spends.
฿70,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
KBank Prestige
4% · Travel & Miles
Best net value on this list — about -฿1,949/yr in your pocket after fees on typical spends.
SCB Prime
3% · Travel & Miles
Strong runner-up at -฿2,329/yr net — roughly ฿380 behind #1 on the same spend mix.
HSBC Advance Credit Card
2% · Travel & Miles
Worth a look — -฿2,744/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
