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Citibank Rewards vs Krungthai Travel Platinum Mastercard Debit

Honest side-by-side comparison of Citibank Rewards, Krungthai Travel Platinum Mastercard Debit — 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

Krungthai Travel Platinum Mastercard Debit

Krungthai

Your adjusted comparison

Feature
Citibank Rewards credit card

Citibank Rewards

Citibank

Krungthai Travel Platinum Mastercard Debit credit card

Krungthai Travel Platinum Mastercard Debit

Krungthai

Fees & eligibility
Annual fee฿1,990Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income฿25,000/mo฿12,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,620/yr฿1,470/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 points0.8% 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฿100

Stack mode (hold both)

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

Citibank Rewards details →Krungthai Travel Platinum Mastercard Debit details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Citibank Rewards leads Krungthai Travel Platinum Mastercard Debit by about ฿2,150/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 Krungthai Travel Platinum Mastercard Debit comparison table
FeatureCitibank Rewards

Citibank

Krungthai Travel Platinum Mastercard Debit

Krungthai

Fees & eligibility
Annual fee฿1,990Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income฿25,000/mo฿12,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,620/yr฿1,470/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 points0.8% 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฿100

Frequently asked questions

Which card has the lower annual fee?
Krungthai Travel Platinum Mastercard Debit 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?
Krungthai Travel Platinum Mastercard Debit 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.

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