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HSBC Advance Credit Card vs OneSiam KBank Credit Card

Honest side-by-side comparison of HSBC Advance Credit Card, OneSiam KBank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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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.

HSBC Advance Credit Card

HSBC

OneSiam KBank Credit Card

KBank

Your adjusted comparison

Feature
HSBC Advance Credit Card

HSBC Advance Credit Card

HSBC

OneSiam KBank Credit Card

OneSiam KBank Credit Card

KBank

Fees & eligibility
Annual fee฿5,000฿3,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿45,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿2,744/yr฿351/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo
Travel฿3,000 × 2% = ฿60/mo (฿720/yr) · issuer max ฿3,000/mo—
Top reward rate2%Boosted / fee-waiver path
Primary reward cap฿3,000 eligible spend/mo฿2,000 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge access for HSBC Advance customers · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Stack mode (hold both)

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

HSBC Advance Credit Card details →OneSiam KBank Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, OneSiam KBank Credit Card leads HSBC Advance Credit Card by about ฿3,095/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

HSBC Advance Credit Card vs OneSiam KBank Credit Card comparison table
FeatureHSBC Advance Credit Card

HSBC

OneSiam KBank Credit Card

KBank

Fees & eligibility
Annual fee฿5,000฿3,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿45,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿2,744/yr฿351/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo
Travel฿3,000 × 2% = ฿60/mo (฿720/yr) · issuer max ฿3,000/mo—
Top reward rate2%Boosted / fee-waiver path
Primary reward cap฿3,000 eligible spend/mo฿2,000 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge access for HSBC Advance customers · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
OneSiam KBank Credit Card has the lowest annual fee at ฿3,999.
Which card earns more on moderate spend?
OneSiam KBank Credit Card leads with an estimated ฿351/yr net annual value on moderate spend.
Which card has the lower income requirement?
HSBC Advance Credit Card lists a minimum monthly income of ฿45,000.
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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