Side-by-side · honest numbers
HSBC Advance Credit Card vs Krungthai Travel Platinum Mastercard Debit
Honest side-by-side comparison of HSBC Advance Credit Card, Krungthai Travel Platinum Mastercard Debit — 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
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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
Krungthai Travel Platinum Mastercard Debit
Krungthai
Your adjusted comparison
| Feature | HSBC Advance Credit Card HSBC | Krungthai Travel Platinum Mastercard Debit Krungthai |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿5,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ฿45,000/mo | ฿12,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿2,744/yr | ฿1,470/yr |
| Travel | ฿3,000 × 2% = ฿60/mo (฿720/yr) · issuer max ฿3,000/mo | — |
| Top reward rate | 2% | 0.8% cashback |
| Primary reward cap | ฿3,000 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 |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | — | ฿100 |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/th/en/compare/hsbc-advance-th-vs-ktb-papayaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Krungthai Travel Platinum Mastercard Debit leads HSBC Advance Credit Card by about ฿4,214/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
| Feature | HSBC Advance Credit Card HSBC | Krungthai Travel Platinum Mastercard Debit Krungthai |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿5,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ฿45,000/mo | ฿12,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿2,744/yr | ฿1,470/yr |
| Travel | ฿3,000 × 2% = ฿60/mo (฿720/yr) · issuer max ฿3,000/mo | — |
| Top reward rate | 2% | 0.8% cashback |
| Primary reward cap | ฿3,000 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 |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | — | ฿100 |
Frequently asked questions
- Which card has the lower annual fee?
- Krungthai Travel Platinum Mastercard Debit has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Krungthai Travel Platinum Mastercard Debit leads with an estimated ฿1,470/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Travel Platinum Mastercard Debit lists a minimum monthly income of ฿12,000.
- 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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