Which card has the lower annual fee?

KBank X has the lowest annual fee at ฿599.

Which card earns more on moderate spend?

KBank X leads with an estimated ฿6,991/yr net annual value on moderate spend.

Which card has the lower income requirement?

KBank X 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.

Side-by-side · honest numbers

Citibank Rewards vs KBank X

Honest side-by-side comparison of Citibank Rewards, KBank X — 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

Citibank Rewards

Citibank

Card 2

KBank X

KBank

Your adjusted comparison

Feature	Citibank Rewards Citibank	KBank X KBank
Fees & eligibility
Annual fee	฿1,990	฿599
Fee waiver threshold	No waiver published	No waiver published
Min income	฿25,000/mo	฿15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿3,620/yr	฿6,991/yr
Online shopping	฿5,000 → 1,000 pts/mo × ฿0.25/pt = ฿250/mo (฿3,000/yr) · issuer max ฿5,000/mo	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo
Dining & delivery	฿3,000 → 600 pts/mo × ฿0.25/pt = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo	฿3,000 × 10% = ฿300/mo (฿3,600/yr) · issuer max ฿1,000/mo
Top reward rate	5X points	Up to 10%
Primary reward cap	฿5,000 eligible spend/mo	฿1,000 rewards/mo cap
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	฿500	฿500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Citibank Rewards details →KBank X details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank X leads Citibank Rewards by about ฿3,371/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 X comparison table
Feature	Citibank Rewards Citibank	KBank X KBank
Fees & eligibility
Annual fee	฿1,990	฿599
Fee waiver threshold	No waiver published	No waiver published
Min income	฿25,000/mo	฿15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿3,620/yr	฿6,991/yr
Online shopping	฿5,000 → 1,000 pts/mo × ฿0.25/pt = ฿250/mo (฿3,000/yr) · issuer max ฿5,000/mo	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo
Dining & delivery	฿3,000 → 600 pts/mo × ฿0.25/pt = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo	฿3,000 × 10% = ฿300/mo (฿3,600/yr) · issuer max ฿1,000/mo
Top reward rate	5X points	Up to 10%
Primary reward cap	฿5,000 eligible spend/mo	฿1,000 rewards/mo cap
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	฿500	฿500

Frequently asked questions

Which card has the lower annual fee?: KBank X has the lowest annual fee at ฿599.
Which card earns more on moderate spend?: KBank X leads with an estimated ฿6,991/yr net annual value on moderate spend.
Which card has the lower income requirement?: KBank X 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More Citibank Rewards comparisons