Side-by-side · honest numbers
Bangkok Bank M PRESTIGE vs Citibank Rewards vs KBank World Rewards Mastercard
Honest side-by-side comparison of Bangkok Bank M PRESTIGE, Citibank Rewards, KBank World Rewards Mastercard — 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, KBank World Rewards Mastercard ranks first for estimated net annual value — ahead of Bangkok Bank M PRESTIGE by about ฿1,520/yr.
| Feature | Bangkok Bank M PRESTIGE Bangkok Bank | Citibank Rewards Citibank | KBank World Rewards Mastercard KBank |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿1,990 | ฿2,500 |
| Min income (monthly) | ฿40,000 | ฿25,000 | ฿30,000 |
| Top reward rate | 5% | 5X points | 3% |
| Net annual value (moderate spend) | -฿600/yr | -฿900/yr | ฿920/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ฿500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Citibank Rewards has the lowest annual fee at ฿1,990.
- Which card earns more on moderate spend?
- KBank World Rewards Mastercard leads with an estimated ฿920/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Citibank Rewards lists a minimum monthly income of ฿25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | Bangkok BankPlatinum Bangkok Bank M PRESTIGE •••• •••• •••• 4242 Quick facts Bangkok Bank M PRESTIGE Top reward5% Annual fee฿4,500 Min income฿40,000/mo Tap to flip back Bangkok Bank M PRESTIGE Bangkok Bank | CitibankGold Citibank Rewards •••• •••• •••• 4242 Quick facts Citibank Rewards Top reward5X points Annual fee฿1,990 Min income฿25,000/mo Tap to flip back Citibank Rewards Citibank | KBankPlatinum KBank World Rewards Mastercard •••• •••• •••• 4242 Quick facts KBank World Rewards Mastercard Top reward3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back KBank World Rewards Mastercard KBank |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿1,990 | ฿2,500 |
| Min income | ฿40,000 | ฿25,000 | ฿30,000 |
| Top reward rate | 5% | 5X points | 3% |
| Net value (moderate) | -฿600/yr | -฿900/yr | ฿920/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ฿500 | — |
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