Which card has the lower annual fee?

KBank THE PASSION has the lowest annual fee at ฿3,999.

Which card earns more on moderate spend?

KBank Prestige leads with an estimated -฿1,949/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.

Side-by-side · honest numbers

HSBC Advance Credit Card vs KBank Prestige vs KBank THE PASSION

Honest side-by-side comparison of HSBC Advance Credit Card, KBank Prestige, KBank THE PASSION — 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

HSBC Advance Credit Card

HSBC

Card 2

KBank Prestige

KBank

Card 3

KBank THE PASSION

KBank

Your adjusted comparison

Feature	HSBC Advance Credit Card HSBC	KBank Prestige KBank	KBank THE PASSION KBank
Fees & eligibility
Annual fee	฿5,000	฿5,999	฿3,999
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿45,000/mo	฿60,000/mo	฿70,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,744/yr	-฿1,949/yr	-฿4,033/yr
Travel	฿3,000 × 2% = ฿60/mo (฿720/yr) · issuer max ฿3,000/mo	฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿8,000/mo	฿3,000 → 60 pts/mo × ฿0.20/pt = ฿12/mo (฿144/yr)
Top reward rate	2%	4%	Up to 3X K Point
Primary reward cap	฿3,000 eligible spend/mo	฿8,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	Airport lounge access for HSBC Advance customers · Minimum spend required — see issuer T&Cs for current threshold	None	None
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

HSBC Advance Credit Card details →KBank Prestige details →KBank THE PASSION details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank Prestige ranks first for estimated net annual value — ahead of HSBC Advance Credit Card by about ฿795/yr.

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 KBank Prestige vs KBank THE PASSION comparison table
Feature	HSBC Advance Credit Card HSBC	KBank Prestige KBank	KBank THE PASSION KBank
Fees & eligibility
Annual fee	฿5,000	฿5,999	฿3,999
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿45,000/mo	฿60,000/mo	฿70,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,744/yr	-฿1,949/yr	-฿4,033/yr
Travel	฿3,000 × 2% = ฿60/mo (฿720/yr) · issuer max ฿3,000/mo	฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿8,000/mo	฿3,000 → 60 pts/mo × ฿0.20/pt = ฿12/mo (฿144/yr)
Top reward rate	2%	4%	Up to 3X K Point
Primary reward cap	฿3,000 eligible spend/mo	฿8,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	Airport lounge access for HSBC Advance customers · Minimum spend required — see issuer T&Cs for current threshold	None	None
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: KBank THE PASSION has the lowest annual fee at ฿3,999.
Which card earns more on moderate spend?: KBank Prestige leads with an estimated -฿1,949/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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More HSBC Advance Credit Card comparisons