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Citi PremierMiles vs Krungsri Lady

Honest side-by-side comparison of Citi PremierMiles, Krungsri Lady — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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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.

Citi PremierMiles

Citibank

Krungsri Lady

Krungsri

Your adjusted comparison

Feature
Citi PremierMiles credit card

Citi PremierMiles

Citibank

Krungsri Lady credit card

Krungsri Lady

Krungsri

Fees & eligibility
Annual fee฿3,990฿990
Fee waiver threshold฿400,000/yrNo waiver published
Min income฿35,000/mo฿18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿1,680/yr฿2,115/yr
Online shopping—฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Dining & delivery—฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo
Travel฿3,000 → 480 pts/mo × ฿0.35/pt = ฿168/mo (฿2,016/yr) · issuer max ฿8,000/mo—
Top reward rate4 miles/฿255%
Primary reward cap฿8,000 eligible spend/mo฿1,000 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge access · 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—฿300

Stack mode (hold both)

Cap-aware split: ~฿2,342/yr combined NAV (฿227 vs best solo). Both annual fees apply.

Citi PremierMiles details →Krungsri Lady details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungsri Lady leads Citi PremierMiles by about ฿435/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

Citi PremierMiles vs Krungsri Lady comparison table
FeatureCiti PremierMiles

Citibank

Krungsri Lady

Krungsri

Fees & eligibility
Annual fee฿3,990฿990
Fee waiver threshold฿400,000/yrNo waiver published
Min income฿35,000/mo฿18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿1,680/yr฿2,115/yr
Online shopping—฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Dining & delivery—฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo
Travel฿3,000 → 480 pts/mo × ฿0.35/pt = ฿168/mo (฿2,016/yr) · issuer max ฿8,000/mo—
Top reward rate4 miles/฿255%
Primary reward cap฿8,000 eligible spend/mo฿1,000 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge access · 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—฿300

Frequently asked questions

Which card has the lower annual fee?
Krungsri Lady has the lowest annual fee at ฿990.
Which card earns more on moderate spend?
Krungsri Lady leads with an estimated ฿2,115/yr net annual value on moderate spend.
Which card has the lower income requirement?
Krungsri Lady lists a minimum monthly income of ฿18,000.
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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