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Citibank Rewards vs KBank Blue Credit Card

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

Citibank Rewards

Citibank

KBank Blue Credit Card

KBank

Your adjusted comparison

Feature
Citibank Rewards credit card

Citibank Rewards

Citibank

KBank Blue Credit Card

KBank Blue Credit Card

KBank

Fees & eligibility
Annual fee฿1,990฿699
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿25,000/mo฿18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,620/yr฿2,211/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—
Fuel—฿2,000 × 5% = ฿100/mo (฿1,200/yr) · issuer max ฿800/mo
Top reward rate5X points5%
Primary reward cap฿5,000 eligible spend/mo฿800 rewards/mo cap
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: ~฿3,971/yr combined NAV (฿351 vs best solo). Both annual fees apply.

Citibank Rewards details →KBank Blue Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Citibank Rewards leads KBank Blue Credit Card by about ฿1,409/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 Blue Credit Card comparison table
FeatureCitibank Rewards

Citibank

KBank Blue Credit Card

KBank

Fees & eligibility
Annual fee฿1,990฿699
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿25,000/mo฿18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,620/yr฿2,211/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—
Fuel—฿2,000 × 5% = ฿100/mo (฿1,200/yr) · issuer max ฿800/mo
Top reward rate5X points5%
Primary reward cap฿5,000 eligible spend/mo฿800 rewards/mo cap
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 Blue Credit Card has the lowest annual fee at ฿699.
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?
KBank Blue Credit Card 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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