Side-by-side · honest numbers
Bangkok Bank Be Smart vs Krungsri NOW vs KTC Visa Platinum
Honest side-by-side comparison of Bangkok Bank Be Smart, Krungsri NOW, KTC Visa Platinum — 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
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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
KTC Visa Platinum
KTC
Your adjusted comparison
| Feature | Bangkok Bank Be Smart Bangkok Bank | Krungsri NOW Krungsri | KTC Visa Platinum KTC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿799 | ฿599 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| 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 | ฿1,950/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) | — |
| Top reward rate | 3% cashback | 3% cashback | 1 KTC Forever / ฿25 equiv. |
| Primary reward cap | ฿500 rewards/mo cap | ฿1,000 rewards/mo cap | No monthly cap published |
| 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 | — |
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https://cardhungry.com/th/en/compare/bbl-be-smart-vs-krungsri-now-vs-ktc-visa-platinumReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Krungsri NOW ranks first for estimated net annual value — ahead of KTC Visa Platinum by about ฿736/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 | KTC Visa Platinum KTC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿799 | ฿599 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| 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 | ฿1,950/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) | — |
| Top reward rate | 3% cashback | 3% cashback | 1 KTC Forever / ฿25 equiv. |
| Primary reward cap | ฿500 rewards/mo cap | ฿1,000 rewards/mo cap | No monthly cap published |
| 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?
- KTC Visa Platinum has a ฿0 annual fee (lifetime free or zero-fee tier).
- 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.
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