Which card has the lower annual fee?

Krungsri NOW has the lowest annual fee at ฿599.

Which card earns more on moderate spend?

Krungsri NOW leads with an estimated ฿2,831/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungsri NOW 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

BBL Platinum Leader vs Krungsri NOW vs SCB FIRST

Honest side-by-side comparison of BBL Platinum Leader, Krungsri NOW, SCB FIRST — 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, Krungsri NOW ranks first for estimated net annual value — ahead of SCB FIRST by about ฿2,330/yr.

BBL Platinum Leader vs Krungsri NOW vs SCB FIRST comparison table
Feature	BBL Platinum Leader Bangkok Bank	Krungsri NOW Krungsri	SCB FIRST SCB
Annual fee	฿2,990	฿599	฿3,999
Min income (monthly)	฿30,000	฿15,000	฿50,000
Top reward rate	2%	1% cashback	3% cashback
Net annual value (moderate spend)	-฿260/yr	฿2,831/yr	฿501/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿100	—

Frequently asked questions

Which card has the lower annual fee?: Krungsri NOW has the lowest annual fee at ฿599.
Which card earns more on moderate spend?: Krungsri NOW leads with an estimated ฿2,831/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungsri NOW 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 BBL Platinum Leader •••• •••• •••• 4242 Quick facts BBL Platinum Leader Top reward2% Annual fee฿2,990 Min income฿30,000/mo Tap to flip back BBL Platinum Leader Bangkok Bank	KrungsriGold Krungsri NOW •••• •••• •••• 4242 Quick facts Krungsri NOW Top reward1% cashback Annual fee฿599 Min income฿15,000/mo Tap to flip back Krungsri NOW Krungsri	SCBPlatinum SCB FIRST •••• •••• •••• 4242 Quick facts SCB FIRST Top reward3% cashback Annual fee฿3,999 Min income฿50,000/mo Tap to flip back SCB FIRST SCB
Annual fee	฿2,990	฿599	฿3,999
Min income	฿30,000	฿15,000	฿50,000
Top reward rate	2%	1% cashback	3% cashback
Net value (moderate)	-฿260/yr	฿2,831/yr	฿501/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿100	—

BBL Platinum Leader details →Krungsri NOW details →SCB FIRST details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More BBL Platinum Leader comparisons