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 ฿7,491/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.

Side-by-side · honest numbers

Bangkok Bank M PRESTIGE vs KBank X vs Krungsri Cashback

Honest side-by-side comparison of Bangkok Bank M PRESTIGE, KBank X, Krungsri Cashback — 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 X ranks first for estimated net annual value — ahead of Krungsri Cashback by about ฿1,240/yr.

Bangkok Bank M PRESTIGE vs KBank X vs Krungsri Cashback comparison table
Feature	Bangkok Bank M PRESTIGE Bangkok Bank	KBank X KBank	Krungsri Cashback Krungsri
Annual fee	฿4,500	฿599	฿699
Min income (monthly)	฿40,000	฿15,000	฿15,000
Top reward rate	5%	Up to 10%	3%
Net annual value (moderate spend)	-฿600/yr	฿7,491/yr	฿6,251/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿500	฿200

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 ฿7,491/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.

Customize your spend

Change spend profile or swap cards — results update live below.

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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	KBankGold KBank X •••• •••• •••• 4242 Quick facts KBank X Top rewardUp to 10% Annual fee฿599 Min income฿15,000/mo Tap to flip back KBank X KBank	KrungsriGold Krungsri Cashback •••• •••• •••• 4242 Quick facts Krungsri Cashback Top reward3% Annual fee฿699 Min income฿15,000/mo Tap to flip back Krungsri Cashback Krungsri
Annual fee	฿4,500	฿599	฿699
Min income	฿40,000	฿15,000	฿15,000
Top reward rate	5%	Up to 10%	3%
Net value (moderate)	-฿600/yr	฿7,491/yr	฿6,251/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿500	฿200

Bangkok Bank M PRESTIGE details →KBank X details →Krungsri Cashback details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bangkok Bank M PRESTIGE comparisons