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 Premier World Mastercard lists a minimum monthly income of ฿40,000.

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 Premier World Mastercard vs OneSiam KBank Credit Card

Honest side-by-side comparison of HSBC Premier World Mastercard, OneSiam KBank Credit Card — 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 Premier World Mastercard

HSBC

Card 2

OneSiam KBank Credit Card

KBank

Your adjusted comparison

Feature	HSBC Premier World Mastercard HSBC	OneSiam KBank Credit Card KBank
Fees & eligibility
Annual fee	฿4,500	฿3,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿40,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,244/yr	฿351/yr
Online shopping	—	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo
Top reward rate	3%	Boosted / fee-waiver path
Primary reward cap	฿5,000 rewards/mo cap	฿2,000 rewards/mo cap
Perks & restrictions
Lounge access	Premier lounge access at select airports · No minimum spend required for lounge access	None
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · 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 Premier World Mastercard 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 Premier World Mastercard by about ฿2,595/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 Premier World Mastercard vs OneSiam KBank Credit Card comparison table
Feature	HSBC Premier World Mastercard HSBC	OneSiam KBank Credit Card KBank
Fees & eligibility
Annual fee	฿4,500	฿3,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿40,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,244/yr	฿351/yr
Online shopping	—	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo
Top reward rate	3%	Boosted / fee-waiver path
Primary reward cap	฿5,000 rewards/mo cap	฿2,000 rewards/mo cap
Perks & restrictions
Lounge access	Premier lounge access at select airports · No minimum spend required for lounge access	None
Key exclusions	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?: 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 Premier World Mastercard lists a minimum monthly income of ฿40,000.
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 Premier World Mastercard comparisons