KBankGold

KBank X

•••• •••• •••• 4242

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Quick facts

KBank X

Top reward10%

Annual fee฿599

Min income฿15,000/mo

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🛒Shopping Partners

KBank · Gold tier

KBank X

Everyday cashback card

Popular starter card for dining and e-commerce in Thailand.

Key Benefits

💳

Up to 10% cashback

🎁

Dining & online bonus

⛽

Fee waiver on spend

Annual fee

฿599

Top rate

10%

Min income

฿15,000/mo

Eff. return

1.11%

Realistic net value (moderate user): ฿3,051/year

After ฿599 fee & ฿450 forex. Based on ฿23,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ฿ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ฿/point rates

What You Actually Earn (in ฿)

Absolute THB estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

฿4,100

Before fees & forex

Costs / year

฿1,049

Fee ฿599 + forex ฿450

Net value / year

฿3,051

1.11% effective return on spend

Category-wise breakdown

Dining & food delivery

Spend ฿3,000/mo · 10% cashback

฿1,200/year

฿100/mo

฿1,000 × 10% = ฿100/moCap hit at ฿1,000/mo — extra spend earns less

Online shopping

Spend ฿5,000/mo · 5% cashback

฿600/year

฿50/mo

฿1,000 × 5% = ฿50/moCap hit at ฿1,000/mo — extra spend earns less

All other eligible spends

Spend ฿15,000/mo · 1% cashback

฿1,800/year

฿150/mo

฿15,000 × 1% = ฿150/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

🛒Shopping Partners

Amazon, Flipkart & co-branded accelerators

Reward Structure

Source: Issuer public T&Cs

dining

10%

Cap: ฿1,000/mo

Example: ฿1,000/mo spend → ≈ ฿100/mo (max at cap)

online shopping

Cap: ฿1,000/mo

Example: ฿1,000/mo spend → ≈ ฿50/mo (max at cap)

Excluded categories (no rewards)

InsuranceGovernment paymentsCash advanceBill payment fees

Best for

→ Everyday cashback card

Fees & Charges — Full Disclosure

All amounts in THB. Everything that can reduce your net value.

Joining fee

Charged in first year

฿599

Annual / renewal fee

Charged every year unless waived

฿599

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 net math

Gross rewards+ ฿3,600

Signup bonus (year 1)+ ฿500

Annual fee− ฿599

Forex cost− ฿450

Net annual value฿3,051

Eligibility Snapshot

Public criteria from Issuer public T&Cs. Bank makes final decision.

Minimum age20–65 years

Min income (salaried)฿15,000/mo

Min income (self-employed)฿180,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

NCB checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

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.

FAQ

How much can I actually earn with KBank X?+

At moderate spend (฿23,000/mo), gross rewards are about ฿3,600/year. After the ฿599 annual fee, net value is approximately ฿3,051/year. Use the calculator above to model your own spends.

What is the minimum income for KBank X?+

฿15,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

Insurance, Government payments, Cash advance, Bill payment fees.

Does CardHungry pull my NCB score?+

No. We use public eligibility criteria only. The bank will check NCB when you apply.