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Citibank Rewards vs ttb Platinum Credit Card

Honest side-by-side comparison of Citibank Rewards, ttb Platinum 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

ttb Platinum Credit Card

ttb

Your adjusted comparison

Feature
Citibank Rewards credit card

Citibank Rewards

Citibank

ttb Platinum Credit Card

ttb Platinum Credit Card

ttb

Fees & eligibility
Annual fee฿1,990฿3,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿25,000/mo฿35,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,620/yr-฿1,929/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—
Travel—฿2,000 × 2% = ฿40/mo (฿480/yr) · cap reached
Top reward rate5X points2%
Primary reward cap฿5,000 eligible spend/mo฿2,000 eligible spend/mo
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿500—

Stack mode (hold both)

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

Citibank Rewards details →ttb Platinum Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Citibank Rewards leads ttb Platinum Credit Card by about ฿5,549/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 ttb Platinum Credit Card comparison table
FeatureCitibank Rewards

Citibank

ttb Platinum Credit Card

ttb

Fees & eligibility
Annual fee฿1,990฿3,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿25,000/mo฿35,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,620/yr-฿1,929/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—
Travel—฿2,000 × 2% = ฿40/mo (฿480/yr) · cap reached
Top reward rate5X points2%
Primary reward cap฿5,000 eligible spend/mo฿2,000 eligible spend/mo
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?
Citibank Rewards has the lowest annual fee at ฿1,990.
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?
Citibank Rewards lists a minimum monthly income of ฿25,000.
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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