Which card has the lower annual fee?

Krungsri Visa Platinum 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?

Krungsri Visa Platinum lists a minimum monthly income of ฿12,000.

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 Krungsri Visa Platinum

Honest side-by-side comparison of Citibank Rewards, Krungsri Visa Platinum — 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

Krungsri Visa Platinum

Krungsri

Your adjusted comparison

Feature	Citibank Rewards Citibank	Krungsri Visa Platinum Krungsri
Fees & eligibility
Annual fee	฿1,990	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	฿25,000/mo	฿12,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿3,620/yr	฿705/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 rate	5X points	0.5% cashback
Primary reward cap	฿5,000 eligible spend/mo	No monthly cap published
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	฿500	—

Stack mode (hold both)

Cap-aware split: ~฿3,688/yr combined NAV (฿68 vs best solo). Both annual fees apply.

Citibank Rewards details →Krungsri Visa Platinum details →

Share this comparison

https://cardhungry.com/th/en/compare/citi-rewards-th-vs-krungsri-simple

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Citibank Rewards leads Krungsri Visa Platinum by about ฿2,915/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 Krungsri Visa Platinum comparison table
Feature	Citibank Rewards Citibank	Krungsri Visa Platinum Krungsri
Fees & eligibility
Annual fee	฿1,990	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	฿25,000/mo	฿12,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿3,620/yr	฿705/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 rate	5X points	0.5% cashback
Primary reward cap	฿5,000 eligible spend/mo	No monthly cap published
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	฿500	—

Frequently asked questions

Which card has the lower annual fee?: Krungsri Visa Platinum 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?: Krungsri Visa Platinum lists a minimum monthly income of ฿12,000.
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