Which card has the lower annual fee?

KBank Makro Platinum has the lowest annual fee at ฿1,490.

Which card earns more on moderate spend?

SCB FIRST leads with an estimated ฿501/yr net annual value on moderate spend.

Which card has the lower income requirement?

KBank Makro Platinum lists a minimum monthly income of ฿20,000.

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

HSBC Advance Credit Card vs KBank Makro Platinum vs SCB FIRST

Honest side-by-side comparison of HSBC Advance Credit Card, KBank Makro Platinum, SCB FIRST — 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 FIRST ranks first for estimated net annual value — ahead of KBank Makro Platinum by about ฿353/yr.

HSBC Advance Credit Card vs KBank Makro Platinum vs SCB FIRST comparison table
Feature	HSBC Advance Credit Card HSBC	KBank Makro Platinum KBank	SCB FIRST SCB
Annual fee	฿5,000	฿1,490	฿3,999
Min income (monthly)	฿45,000	฿20,000	฿50,000
Top reward rate	2%	5%	3% cashback
Net annual value (moderate spend)	-฿2,330/yr	฿148/yr	฿501/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: KBank Makro Platinum has the lowest annual fee at ฿1,490.
Which card earns more on moderate spend?: SCB FIRST leads with an estimated ฿501/yr net annual value on moderate spend.
Which card has the lower income requirement?: KBank Makro Platinum lists a minimum monthly income of ฿20,000.
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.

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Your adjusted comparison

Feature	HSBCPlatinum HSBC Advance Credit Card •••• •••• •••• 4242 Quick facts HSBC Advance Credit Card Top reward2% Annual fee฿5,000 Min income฿45,000/mo Tap to flip back HSBC Advance Credit Card HSBC	KBankPlatinum KBank Makro Platinum •••• •••• •••• 4242 Quick facts KBank Makro Platinum Top reward5% Annual fee฿1,490 Min income฿20,000/mo Tap to flip back KBank Makro Platinum KBank	SCBPlatinum SCB FIRST •••• •••• •••• 4242 Quick facts SCB FIRST Top reward3% cashback Annual fee฿3,999 Min income฿50,000/mo Tap to flip back SCB FIRST SCB
Annual fee	฿5,000	฿1,490	฿3,999
Min income	฿45,000	฿20,000	฿50,000
Top reward rate	2%	5%	3% cashback
Net value (moderate)	-฿2,330/yr	฿148/yr	฿501/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

HSBC Advance Credit Card details →KBank Makro Platinum details →SCB FIRST details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Advance Credit Card comparisons