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 HSBC Premier World Mastercard vs KBank Makro Platinum

Honest side-by-side comparison of Bangkok Bank Platinum, HSBC Premier World Mastercard, 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 Bangkok Bank Platinum by about ฿2,098/yr.

Bangkok Bank Platinum vs HSBC Premier World Mastercard vs KBank Makro Platinum comparison table
Feature	Bangkok Bank Platinum Bangkok Bank	HSBC Premier World Mastercard HSBC	KBank Makro Platinum KBank
Annual fee	฿4,500	฿4,500	฿1,490
Min income (monthly)	฿40,000	฿40,000	฿20,000
Top reward rate	2%	3%	5%
Net annual value (moderate spend)	-฿1,950/yr	-฿2,190/yr	฿148/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

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	HSBCPlatinum HSBC Premier World Mastercard •••• •••• •••• 4242 Quick facts HSBC Premier World Mastercard Top reward3% Annual fee฿4,500 Min income฿40,000/mo Tap to flip back HSBC Premier World Mastercard HSBC	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	฿4,500	฿1,490
Min income	฿40,000	฿40,000	฿20,000
Top reward rate	2%	3%	5%
Net value (moderate)	-฿1,950/yr	-฿2,190/yr	฿148/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

Bangkok Bank Platinum details →HSBC Premier World Mastercard details →KBank Makro Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bangkok Bank Platinum comparisons