Side-by-side · honest numbers
Citibank Rewards vs Krungthai Pearl Credit Card vs SCB K-Spect
Honest side-by-side comparison of Citibank Rewards, Krungthai Pearl Credit Card, SCB K-Spect — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, SCB K-Spect ranks first for estimated net annual value — ahead of Krungthai Pearl Credit Card by about ฿2,621/yr.
| Feature | Citibank Rewards Citibank | Krungthai Pearl Credit Card Krungthai | SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿1,990 | ฿1,200 | ฿799 |
| Min income (monthly) | ฿25,000 | ฿15,000 | ฿15,000 |
| Top reward rate | 5X points | 2% | Up to 5% |
| Net annual value (moderate spend) | -฿900/yr | ฿930/yr | ฿3,551/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ฿500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SCB K-Spect has the lowest annual fee at ฿799.
- Which card earns more on moderate spend?
- SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Pearl Credit Card 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
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | CitibankGold Citibank Rewards •••• •••• •••• 4242 Quick facts Citibank Rewards Top reward5X points Annual fee฿1,990 Min income฿25,000/mo Tap to flip back Citibank Rewards Citibank | KrungthaiGold Krungthai Pearl Credit Card •••• •••• •••• 4242 Quick facts Krungthai Pearl Credit Card Top reward2% Annual fee฿1,200 Min income฿15,000/mo Tap to flip back Krungthai Pearl Credit Card Krungthai | SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿1,990 | ฿1,200 | ฿799 |
| Min income | ฿25,000 | ฿15,000 | ฿15,000 |
| Top reward rate | 5X points | 2% | Up to 5% |
| Net value (moderate) | -฿900/yr | ฿930/yr | ฿3,551/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿500 | — | — |
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