Side-by-side · honest numbers
Bangkok Bank Be Smart vs Krungsri NOW vs Krungthai Pearl Credit Card
Honest side-by-side comparison of Bangkok Bank Be Smart, Krungsri NOW, Krungthai Pearl Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Bangkok Bank Be Smart
Bangkok Bank
Krungsri NOW
Krungsri
Krungthai Pearl Credit Card
Krungthai
Your adjusted comparison
| Feature | Bangkok Bank Be Smart Bangkok Bank | Krungsri NOW Krungsri | Krungthai Pearl Credit Card Krungthai |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿799 | ฿599 | ฿1,200 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ฿15,000/mo | ฿15,000/mo | ฿15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ฿1,511/yr | ฿2,686/yr | ฿930/yr |
| Online shopping | — | ฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo | — |
| Utilities & bills | ฿1,500 × 3% = ฿45/mo (฿540/yr) · issuer max ฿500/mo | ฿1,500 × 2% = ฿30/mo (฿360/yr) | ฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo |
| Top reward rate | 3% cashback | 3% cashback | 2% |
| Primary reward cap | ฿500 rewards/mo cap | ฿1,000 rewards/mo cap | ฿500 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | |||
| Signup bonus | ฿200 | ฿100 | — |
Share this comparison
https://cardhungry.com/th/en/compare/bbl-be-smart-vs-krungsri-now-vs-ktb-pearlReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Krungsri NOW ranks first for estimated net annual value — ahead of Bangkok Bank Be Smart by about ฿1,175/yr.
Spend assumptions for this table
Moderate user spend profile · ฿23,000/mo
฿23,000/month total spend — typical Thailand user
Online ฿5,000 · Groceries ฿4,000 · Dining ฿3,000 · Travel ฿3,000 · Other ฿3,000
| Feature | Bangkok Bank Be Smart Bangkok Bank | Krungsri NOW Krungsri | Krungthai Pearl Credit Card Krungthai |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿799 | ฿599 | ฿1,200 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ฿15,000/mo | ฿15,000/mo | ฿15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ฿1,511/yr | ฿2,686/yr | ฿930/yr |
| Online shopping | — | ฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo | — |
| Utilities & bills | ฿1,500 × 3% = ฿45/mo (฿540/yr) · issuer max ฿500/mo | ฿1,500 × 2% = ฿30/mo (฿360/yr) | ฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo |
| Top reward rate | 3% cashback | 3% cashback | 2% |
| Primary reward cap | ฿500 rewards/mo cap | ฿1,000 rewards/mo cap | ฿500 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | |||
| Signup bonus | ฿200 | ฿100 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Krungsri NOW has the lowest annual fee at ฿599.
- Which card earns more on moderate spend?
- Krungsri NOW leads with an estimated ฿2,686/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.
More Bangkok Bank Be Smart comparisons
- Bangkok Bank Be Smart vs BBL Platinum Leader
- Bangkok Bank Be Smart vs Bangkok Bank M PRESTIGE
- Bangkok Bank Be Smart vs Bangkok Bank Platinum
- Bangkok Bank Be Smart vs CardX UP2ME Mastercard
- Bangkok Bank Be Smart vs HSBC Advance Credit Card
- Bangkok Bank Be Smart vs HSBC Premier World Mastercard
- Bangkok Bank Be Smart vs KBank Blue Credit Card
- Bangkok Bank Be Smart vs KBank JCB Platinum
- Bangkok Bank Be Smart vs KBank LINE POINTS Credit Card
- Bangkok Bank Be Smart vs KBank Mastercard Platinum
- Bangkok Bank Be Smart vs KBank PLUSTINUM
- Bangkok Bank Be Smart vs KBank Platinum Plus