Which card has the lower annual fee?

OneSiam KBank Credit Card has the lowest annual fee at ฿3,999.

Which card earns more on moderate spend?

OneSiam KBank Credit Card leads with an estimated ฿351/yr net annual value on moderate spend.

Which card has the lower income requirement?

Bangkok Bank Platinum lists a minimum monthly income of ฿40,000.

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 OneSiam KBank Credit Card

Honest side-by-side comparison of Bangkok Bank Platinum, OneSiam KBank 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

Bangkok Bank Platinum

Bangkok Bank

Card 2

OneSiam KBank Credit Card

KBank

Your adjusted comparison

Feature	Bangkok Bank Platinum Bangkok Bank	OneSiam KBank Credit Card KBank
Fees & eligibility
Annual fee	฿4,500	฿3,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿40,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,310/yr	฿351/yr
Online shopping	—	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo
Travel	฿2,500 × 2% = ฿50/mo (฿600/yr) · cap reached	—
Top reward rate	2%	Boosted / fee-waiver path
Primary reward cap	฿2,500 eligible spend/mo	฿2,000 rewards/mo cap
Perks & restrictions
Lounge access	Airport lounge privileges · Minimum spend required — see issuer T&Cs for current threshold	None
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.

Bangkok Bank Platinum details →OneSiam KBank Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, OneSiam KBank Credit Card leads Bangkok Bank Platinum by about ฿2,661/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

Bangkok Bank Platinum vs OneSiam KBank Credit Card comparison table
Feature	Bangkok Bank Platinum Bangkok Bank	OneSiam KBank Credit Card KBank
Fees & eligibility
Annual fee	฿4,500	฿3,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿40,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,310/yr	฿351/yr
Online shopping	—	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo
Travel	฿2,500 × 2% = ฿50/mo (฿600/yr) · cap reached	—
Top reward rate	2%	Boosted / fee-waiver path
Primary reward cap	฿2,500 eligible spend/mo	฿2,000 rewards/mo cap
Perks & restrictions
Lounge access	Airport lounge privileges · Minimum spend required — see issuer T&Cs for current threshold	None
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?: OneSiam KBank Credit Card has the lowest annual fee at ฿3,999.
Which card earns more on moderate spend?: OneSiam KBank Credit Card leads with an estimated ฿351/yr net annual value on moderate spend.
Which card has the lower income requirement?: Bangkok Bank Platinum lists a minimum monthly income of ฿40,000.
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

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