Side-by-side · honest numbers
Bangkok Bank Be Smart vs Krungsri Simple vs SCB K-Spect
Honest side-by-side comparison of Bangkok Bank Be Smart, Krungsri Simple, SCB K-Spect — 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, SCB K-Spect ranks first for estimated net annual value — ahead of Bangkok Bank Be Smart by about ฿1,840/yr.
| Feature | Bangkok Bank Be Smart Bangkok Bank | Krungsri Simple Krungsri | SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿799 | ฿0 | ฿799 |
| Min income (monthly) | ฿15,000 | ฿12,000 | ฿15,000 |
| Top reward rate | 1% cashback | 1% cashback | Up to 5% |
| Net annual value (moderate spend) | ฿1,711/yr | ฿750/yr | ฿3,551/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ฿200 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Krungsri Simple has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungsri Simple lists a minimum monthly income of ฿12,000.
- 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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Change spend profile or swap cards — results update live below.
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 | KrungsriClassic Krungsri Simple •••• •••• •••• 4242 Quick facts Krungsri Simple Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungsri Simple Krungsri | SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿799 | ฿0 | ฿799 |
| Min income | ฿15,000 | ฿12,000 | ฿15,000 |
| Top reward rate | 1% cashback | 1% cashback | Up to 5% |
| Net value (moderate) | ฿1,711/yr | ฿750/yr | ฿3,551/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿200 | — | — |
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