Side-by-side · honest numbers
HSBC Advance Credit Card vs KBank Secured Card vs SCB K-Spect
Honest side-by-side comparison of HSBC Advance Credit Card, KBank Secured Card, SCB K-Spect — 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 K-Spect ranks first for estimated net annual value — ahead of KBank Secured Card by about ฿2,801/yr.
| Feature | HSBC Advance Credit Card HSBC | KBank Secured Card KBank | SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿0 | ฿799 |
| Min income (monthly) | ฿45,000 | Not stated | ฿15,000 |
| Top reward rate | 2% | 0.5% cashback | Up to 5% |
| Net annual value (moderate spend) | -฿2,330/yr | ฿750/yr | ฿3,551/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- KBank Secured Card has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SCB K-Spect lists a minimum monthly income of ฿15,000.
- Which cards are secured (FD-backed)?
- KBank Secured Card is secured — useful for thin credit files without a bureau pull at application.
- 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.
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 | KBankClassic KBank Secured Card •••• •••• •••• 4242 Quick facts KBank Secured Card Top reward0.5% cashback Annual feeLifetime Free Tap to flip back KBank Secured Card KBank | SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿0 | ฿799 |
| Min income | ฿45,000 | Not stated | ฿15,000 |
| Top reward rate | 2% | 0.5% cashback | Up to 5% |
| Net value (moderate) | -฿2,330/yr | ฿750/yr | ฿3,551/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | — |
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