Side-by-side · honest numbers
Bangkok Bank Be Smart vs Krungsri Cashback vs SCB JCB Platinum
Honest side-by-side comparison of Bangkok Bank Be Smart, Krungsri Cashback, SCB JCB Platinum — 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, Krungsri Cashback ranks first for estimated net annual value — ahead of Bangkok Bank Be Smart by about ฿4,540/yr.
| Feature | Bangkok Bank Be Smart Bangkok Bank | Krungsri Cashback Krungsri | SCB JCB Platinum SCB |
|---|---|---|---|
| Annual fee | ฿799 | ฿699 | ฿2,500 |
| Min income (monthly) | ฿15,000 | ฿15,000 | ฿30,000 |
| Top reward rate | 1% cashback | 3% | 3% |
| Net annual value (moderate spend) | ฿1,711/yr | ฿6,251/yr | ฿1,010/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ฿200 | ฿200 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Krungsri Cashback has the lowest annual fee at ฿699.
- Which card earns more on moderate spend?
- Krungsri Cashback leads with an estimated ฿6,251/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 | KrungsriGold Krungsri Cashback •••• •••• •••• 4242 Quick facts Krungsri Cashback Top reward3% Annual fee฿699 Min income฿15,000/mo Tap to flip back Krungsri Cashback Krungsri | SCBPlatinum SCB JCB Platinum •••• •••• •••• 4242 Quick facts SCB JCB Platinum Top reward3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back SCB JCB Platinum SCB |
|---|---|---|---|
| Annual fee | ฿799 | ฿699 | ฿2,500 |
| Min income | ฿15,000 | ฿15,000 | ฿30,000 |
| Top reward rate | 1% cashback | 3% | 3% |
| Net value (moderate) | ฿1,711/yr | ฿6,251/yr | ฿1,010/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿200 | ฿200 | — |
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