Side-by-side · honest numbers
Bangkok Bank Be Smart vs KBank Makro Platinum vs SCB FIRST
Honest side-by-side comparison of Bangkok Bank Be Smart, KBank Makro Platinum, SCB FIRST — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Bangkok Bank Be Smart ranks first for estimated net annual value — ahead of SCB FIRST by about ฿1,210/yr.
| Feature | Bangkok Bank Be Smart Bangkok Bank | KBank Makro Platinum KBank | SCB FIRST SCB |
|---|---|---|---|
| Annual fee | ฿799 | ฿1,490 | ฿3,999 |
| Min income (monthly) | ฿15,000 | ฿20,000 | ฿50,000 |
| Top reward rate | 1% cashback | 5% | 3% cashback |
| Net annual value (moderate spend) | ฿1,711/yr | ฿148/yr | ฿501/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ฿200 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Bangkok Bank Be Smart has the lowest annual fee at ฿799.
- Which card earns more on moderate spend?
- Bangkok Bank Be Smart leads with an estimated ฿1,711/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Bangkok Bank Be Smart lists a minimum monthly income of ฿15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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Your adjusted comparison
| Feature | Bangkok BankGold Bangkok Bank Be Smart •••• •••• •••• 4242 Quick facts Bangkok Bank Be Smart Top reward1% cashback Annual fee฿799 Min income฿15,000/mo Tap to flip back Bangkok Bank Be Smart Bangkok Bank | KBankPlatinum KBank Makro Platinum •••• •••• •••• 4242 Quick facts KBank Makro Platinum Top reward5% Annual fee฿1,490 Min income฿20,000/mo Tap to flip back KBank Makro Platinum KBank | SCBPlatinum SCB FIRST •••• •••• •••• 4242 Quick facts SCB FIRST Top reward3% cashback Annual fee฿3,999 Min income฿50,000/mo Tap to flip back SCB FIRST SCB |
|---|---|---|---|
| Annual fee | ฿799 | ฿1,490 | ฿3,999 |
| Min income | ฿15,000 | ฿20,000 | ฿50,000 |
| Top reward rate | 1% cashback | 5% | 3% cashback |
| Net value (moderate) | ฿1,711/yr | ฿148/yr | ฿501/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿200 | — | — |
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