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Citibank Rewards vs KBank Secured Card

Honest side-by-side comparison of Citibank Rewards, KBank Secured 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.

Citibank Rewards

Citibank

KBank Secured Card

KBank

Your adjusted comparison

Feature
Citibank Rewards credit card

Citibank Rewards

Citibank

KBank Secured Card credit card

KBank Secured Card

KBank

Fees & eligibility
Annual fee฿1,990Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income฿25,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)฿3,620/yr฿750/yr
Online shopping฿5,000 → 1,000 pts/mo × ฿0.25/pt = ฿250/mo (฿3,000/yr) · issuer max ฿5,000/mo—
Dining & delivery฿3,000 → 600 pts/mo × ฿0.25/pt = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo—
Top reward rate5X points0.5% cashback
Primary reward cap฿5,000 eligible spend/moNo monthly cap published
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿500—

Stack mode (hold both)

Cap-aware split: ~฿3,710/yr combined NAV (฿90 vs best solo). Both annual fees apply.

Citibank Rewards details →KBank Secured Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Citibank Rewards leads KBank Secured Card by about ฿2,870/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

Citibank Rewards vs KBank Secured Card comparison table
FeatureCitibank Rewards

Citibank

KBank Secured Card

KBank

Fees & eligibility
Annual fee฿1,990Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income฿25,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)฿3,620/yr฿750/yr
Online shopping฿5,000 → 1,000 pts/mo × ฿0.25/pt = ฿250/mo (฿3,000/yr) · issuer max ฿5,000/mo—
Dining & delivery฿3,000 → 600 pts/mo × ฿0.25/pt = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo—
Top reward rate5X points0.5% cashback
Primary reward cap฿5,000 eligible spend/moNo monthly cap published
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿500—

Frequently asked questions

Which card has the lower annual fee?
KBank Secured Card has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
Citibank Rewards leads with an estimated ฿3,620/yr net annual value on moderate spend.
Which card has the lower income requirement?
Citibank Rewards lists a minimum monthly income of ฿25,000.
Which cards are secured (FD-backed)?
KBank Secured Card is secured — useful for thin credit files without a bureau pull at application.
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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