Which card has the lower annual fee?

KBank Makro Platinum has the lowest annual fee at ฿1,490.

Which card earns more on moderate spend?

KBank Makro Platinum leads with an estimated ฿148/yr net annual value on moderate spend.

Which card has the lower income requirement?

KBank Makro Platinum lists a minimum monthly income of ฿20,000.

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 Platinum vs Citibank Rewards vs KBank Makro Platinum

Honest side-by-side comparison of Bangkok Bank Platinum, Citibank Rewards, KBank Makro Platinum — 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 Makro Platinum ranks first for estimated net annual value — ahead of Citibank Rewards by about ฿1,048/yr.

Bangkok Bank Platinum vs Citibank Rewards vs KBank Makro Platinum comparison table
Feature	Bangkok Bank Platinum Bangkok Bank	Citibank Rewards Citibank	KBank Makro Platinum KBank
Annual fee	฿4,500	฿1,990	฿1,490
Min income (monthly)	฿40,000	฿25,000	฿20,000
Top reward rate	2%	5X points	5%
Net annual value (moderate spend)	-฿1,950/yr	-฿900/yr	฿148/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿500	—

Frequently asked questions

Which card has the lower annual fee?: KBank Makro Platinum has the lowest annual fee at ฿1,490.
Which card earns more on moderate spend?: KBank Makro Platinum leads with an estimated ฿148/yr net annual value on moderate spend.
Which card has the lower income requirement?: KBank Makro Platinum lists a minimum monthly income of ฿20,000.
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 Platinum •••• •••• •••• 4242 Quick facts Bangkok Bank Platinum Top reward2% Annual fee฿4,500 Min income฿40,000/mo Tap to flip back Bangkok Bank Platinum Bangkok Bank	CitibankGold Citibank Rewards •••• •••• •••• 4242 Quick facts Citibank Rewards Top reward5X points Annual fee฿1,990 Min income฿25,000/mo Tap to flip back Citibank Rewards Citibank	KBankPlatinum KBank Makro Platinum •••• •••• •••• 4242 Quick facts KBank Makro Platinum Top reward5% Annual fee฿1,490 Min income฿20,000/mo Tap to flip back KBank Makro Platinum KBank
Annual fee	฿4,500	฿1,990	฿1,490
Min income	฿40,000	฿25,000	฿20,000
Top reward rate	2%	5X points	5%
Net value (moderate)	-฿1,950/yr	-฿900/yr	฿148/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿500	—

Bangkok Bank Platinum details →Citibank Rewards details →KBank Makro Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bangkok Bank Platinum comparisons