Side-by-side · honest numbers
HSBC Advance Credit Card vs KBank Makro Platinum vs SCB Ultra Platinum
Honest side-by-side comparison of HSBC Advance Credit Card, KBank Makro Platinum, SCB Ultra Platinum — 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, KBank Makro Platinum ranks first for estimated net annual value — ahead of SCB Ultra Platinum by about ฿1,237/yr.
| Feature | HSBC Advance Credit Card HSBC | KBank Makro Platinum KBank | SCB Ultra Platinum SCB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿1,490 | ฿6,999 |
| Min income (monthly) | ฿45,000 | ฿20,000 | ฿80,000 |
| Top reward rate | 2% | 5% | 4% |
| Net annual value (moderate spend) | -฿2,330/yr | ฿148/yr | -฿1,089/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?
- KBank Makro Platinum leads with an estimated ฿148/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.
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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 Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿1,490 | ฿6,999 |
| Min income | ฿45,000 | ฿20,000 | ฿80,000 |
| Top reward rate | 2% | 5% | 4% |
| Net value (moderate) | -฿2,330/yr | ฿148/yr | -฿1,089/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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