Side-by-side · honest numbers
Bangkok Bank M PRESTIGE vs HSBC Advance Credit Card vs KBank Makro Platinum
Honest side-by-side comparison of Bangkok Bank M PRESTIGE, HSBC Advance Credit Card, KBank Makro 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, KBank Makro Platinum ranks first for estimated net annual value — ahead of Bangkok Bank M PRESTIGE by about ฿748/yr.
| Feature | Bangkok Bank M PRESTIGE Bangkok Bank | HSBC Advance Credit Card HSBC | KBank Makro Platinum KBank |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿5,000 | ฿1,490 |
| Min income (monthly) | ฿40,000 | ฿45,000 | ฿20,000 |
| Top reward rate | 5% | 2% | 5% |
| Net annual value (moderate spend) | -฿600/yr | -฿2,330/yr | ฿148/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- KBank Makro Platinum has the lowest annual fee at ฿1,490.
- Which card earns more on moderate spend?
- KBank Makro Platinum leads with an estimated ฿148/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- KBank Makro Platinum lists a minimum monthly income of ฿20,000.
- 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 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 | HSBCPlatinum HSBC Advance Credit Card •••• •••• •••• 4242 Quick facts HSBC Advance Credit Card Top reward2% Annual fee฿5,000 Min income฿45,000/mo Tap to flip back HSBC Advance Credit Card HSBC | KBankPlatinum KBank Makro Platinum •••• •••• •••• 4242 Quick facts KBank Makro Platinum Top reward5% Annual fee฿1,490 Min income฿20,000/mo Tap to flip back KBank Makro Platinum KBank |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿5,000 | ฿1,490 |
| Min income | ฿40,000 | ฿45,000 | ฿20,000 |
| Top reward rate | 5% | 2% | 5% |
| Net value (moderate) | -฿600/yr | -฿2,330/yr | ฿148/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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