CardHungry

Side-by-side · honest numbers

Bangkok Bank M PRESTIGE vs KBank X

Honest side-by-side comparison of Bangkok Bank M PRESTIGE, KBank X — 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 M PRESTIGE

Bangkok Bank

KBank X

KBank

Your adjusted comparison

Feature
Bangkok Bank M PRESTIGE credit card

Bangkok Bank M PRESTIGE

Bangkok Bank

KBank X credit card

KBank X

KBank

Fees & eligibility
Annual fee฿4,500฿599
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿1,110/yr฿6,991/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo
Dining & delivery—฿3,000 × 10% = ฿300/mo (฿3,600/yr) · issuer max ฿1,000/mo
Travel฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo—
Top reward rate5%Up to 10%
Primary reward cap฿5,000 eligible spend/mo฿1,000 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge privileges at select airports · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus—฿500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Bangkok Bank M PRESTIGE details →KBank X details →

Share this comparison

https://cardhungry.com/th/en/compare/bbl-m-prestige-vs-kbank-x

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank X leads Bangkok Bank M PRESTIGE by about ฿8,101/yr in estimated net value.

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

Bangkok Bank M PRESTIGE vs KBank X comparison table
FeatureBangkok Bank M PRESTIGE

Bangkok Bank

KBank X

KBank

Fees & eligibility
Annual fee฿4,500฿599
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿1,110/yr฿6,991/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo
Dining & delivery—฿3,000 × 10% = ฿300/mo (฿3,600/yr) · issuer max ฿1,000/mo
Travel฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo—
Top reward rate5%Up to 10%
Primary reward cap฿5,000 eligible spend/mo฿1,000 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge privileges at select airports · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus—฿500

Frequently asked questions

Which card has the lower annual fee?
KBank X has the lowest annual fee at ฿599.
Which card earns more on moderate spend?
KBank X leads with an estimated ฿6,991/yr net annual value on moderate spend.
Which card has the lower income requirement?
KBank X 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 M PRESTIGE comparisons