Side-by-side · honest numbers
HSBC Advance Credit Card vs Krungthai Papaya vs SCB Miles
Honest side-by-side comparison of HSBC Advance Credit Card, Krungthai Papaya, SCB Miles — 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, Krungthai Papaya ranks first for estimated net annual value — ahead of SCB Miles by about ฿2,915/yr.
| Feature | HSBC Advance Credit Card HSBC | Krungthai Papaya Krungthai | SCB Miles SCB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿0 | ฿1,990 |
| Min income (monthly) | ฿45,000 | ฿12,000 | ฿25,000 |
| Top reward rate | 2% | 1% cashback | 3 miles/฿25 |
| Net annual value (moderate spend) | -฿2,330/yr | ฿1,570/yr | -฿1,345/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ฿100 | ฿500 |
Frequently asked questions
- Which card has the lower annual fee?
- Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Krungthai Papaya leads with an estimated ฿1,570/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Papaya 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.
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 | KrungthaiGold Krungthai Papaya •••• •••• •••• 4242 Quick facts Krungthai Papaya Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungthai Papaya Krungthai | SCBGold SCB Miles •••• •••• •••• 4242 Quick facts SCB Miles Top reward3 miles/฿25 Annual fee฿1,990 Min income฿25,000/mo Tap to flip back SCB Miles SCB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿0 | ฿1,990 |
| Min income | ฿45,000 | ฿12,000 | ฿25,000 |
| Top reward rate | 2% | 1% cashback | 3 miles/฿25 |
| Net value (moderate) | -฿2,330/yr | ฿1,570/yr | -฿1,345/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ฿100 | ฿500 |
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