Which card has the lower annual fee?

Krungthai Pearl Credit Card has the lowest annual fee at ฿1,200.

Which card earns more on moderate spend?

Krungthai Pearl Credit Card leads with an estimated ฿930/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungthai Pearl Credit Card 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 Krungthai Pearl Credit Card

Honest side-by-side comparison of BBL Platinum Leader, Krungthai Pearl Credit Card — 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.

Card 1

BBL Platinum Leader

Bangkok Bank

Card 2

Krungthai Pearl Credit Card

Krungthai

Your adjusted comparison

Feature	BBL Platinum Leader Bangkok Bank	Krungthai Pearl Credit Card Krungthai
Fees & eligibility
Annual fee	฿2,990	฿1,200
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿680/yr	฿930/yr
Travel	฿3,000 × 2% = ฿60/mo (฿720/yr) · issuer max ฿4,000/mo	—
Utilities & bills	—	฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo
Top reward rate	2%	2%
Primary reward cap	฿4,000 eligible spend/mo	฿500 rewards/mo cap
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—

Stack mode (hold both)

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

BBL Platinum Leader details →Krungthai Pearl Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungthai Pearl Credit Card leads BBL Platinum Leader by about ฿1,610/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

BBL Platinum Leader vs Krungthai Pearl Credit Card comparison table
Feature	BBL Platinum Leader Bangkok Bank	Krungthai Pearl Credit Card Krungthai
Fees & eligibility
Annual fee	฿2,990	฿1,200
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿680/yr	฿930/yr
Travel	฿3,000 × 2% = ฿60/mo (฿720/yr) · issuer max ฿4,000/mo	—
Utilities & bills	—	฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo
Top reward rate	2%	2%
Primary reward cap	฿4,000 eligible spend/mo	฿500 rewards/mo cap
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: Krungthai Pearl Credit Card has the lowest annual fee at ฿1,200.
Which card earns more on moderate spend?: Krungthai Pearl Credit Card leads with an estimated ฿930/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungthai Pearl Credit Card 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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More BBL Platinum Leader comparisons