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Bangkok Bank Platinum vs Krungthai Pearl Credit Card

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

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Bangkok Bank Platinum

Bangkok Bank

Krungthai Pearl Credit Card

Krungthai

Your adjusted comparison

Feature
Bangkok Bank Platinum credit card

Bangkok Bank Platinum

Bangkok Bank

Krungthai Pearl Credit Card

Krungthai Pearl Credit Card

Krungthai

Fees & eligibility
Annual fee฿4,500฿1,200
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿2,310/yr฿930/yr
Travel฿2,500 × 2% = ฿50/mo (฿600/yr) · cap reached—
Utilities & bills—฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo
Top reward rate2%2%
Primary reward cap฿2,500 eligible spend/mo฿500 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge privileges · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · 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 →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 Bangkok Bank Platinum by about ฿3,240/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 Krungthai Pearl Credit Card comparison table
FeatureBangkok Bank Platinum

Bangkok Bank

Krungthai Pearl Credit Card

Krungthai

Fees & eligibility
Annual fee฿4,500฿1,200
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿2,310/yr฿930/yr
Travel฿2,500 × 2% = ฿50/mo (฿600/yr) · cap reached—
Utilities & bills—฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo
Top reward rate2%2%
Primary reward cap฿2,500 eligible spend/mo฿500 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge privileges · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · 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.

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