Which card has the lower annual fee?

Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

Krungthai Papaya leads with an estimated ฿1,570/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungthai Papaya lists a minimum monthly income of ฿12,000.

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 Krungthai Papaya vs SCB FIRST

Honest side-by-side comparison of BBL Platinum Leader, Krungthai Papaya, 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, Krungthai Papaya ranks first for estimated net annual value — ahead of SCB FIRST by about ฿1,069/yr.

BBL Platinum Leader vs Krungthai Papaya vs SCB FIRST comparison table
Feature	BBL Platinum Leader Bangkok Bank	Krungthai Papaya Krungthai	SCB FIRST SCB
Annual fee	฿2,990	฿0	฿3,999
Min income (monthly)	฿30,000	฿12,000	฿50,000
Top reward rate	2%	1% cashback	3% cashback
Net annual value (moderate spend)	-฿260/yr	฿1,570/yr	฿501/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿100	—

Frequently asked questions

Which card has the lower annual fee?: Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: Krungthai Papaya leads with an estimated ฿1,570/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungthai Papaya lists a minimum monthly income of ฿12,000.
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.

Card 1

Card 2

Card 3

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	KrungthaiGold Krungthai Papaya •••• •••• •••• 4242 Quick facts Krungthai Papaya Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungthai Papaya Krungthai	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	฿0	฿3,999
Min income	฿30,000	฿12,000	฿50,000
Top reward rate	2%	1% cashback	3% cashback
Net value (moderate)	-฿260/yr	฿1,570/yr	฿501/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿100	—

BBL Platinum Leader details →Krungthai Papaya details →SCB FIRST details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More BBL Platinum Leader comparisons