Which card has the lower annual fee?

KBank Platinum Plus has the lowest annual fee at ฿2,999.

Which card earns more on moderate spend?

KBank Platinum Plus leads with an estimated -฿329/yr net annual value on moderate spend.

Which card has the lower income requirement?

KBank Platinum Plus lists a minimum monthly income of ฿35,000.

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 KBank Platinum Plus vs ttb Platinum Credit Card

Honest side-by-side comparison of HSBC Premier World Mastercard, KBank Platinum Plus, ttb Platinum Credit Card — 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, KBank Platinum Plus ranks first for estimated net annual value — ahead of ttb Platinum Credit Card by about ฿1,600/yr.

HSBC Premier World Mastercard vs KBank Platinum Plus vs ttb Platinum Credit Card comparison table
Feature	HSBC Premier World Mastercard HSBC	KBank Platinum Plus KBank	ttb Platinum Credit Card ttb
Fees & eligibility
Annual fee	฿4,500	฿2,999	฿3,999
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿40,000/mo	฿35,000/mo	฿35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,190/yr	-฿329/yr	-฿1,929/yr
Travel	—	3% cashback → ฿90/mo (฿1,080/yr)	2% cashback → ฿40/mo (฿480/yr) (cap hit)
Top reward rate	3%	3%	2%
Primary reward cap	฿5,000 rewards/mo cap	฿3,000 eligible spend/mo	฿2,000 eligible spend/mo
Perks & restrictions
Lounge access	Premier lounge access at select airports · No minimum spend required for lounge access	Airport lounge access at select airports · 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	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: KBank Platinum Plus has the lowest annual fee at ฿2,999.
Which card earns more on moderate spend?: KBank Platinum Plus leads with an estimated -฿329/yr net annual value on moderate spend.
Which card has the lower income requirement?: KBank Platinum Plus lists a minimum monthly income of ฿35,000.
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.

Card 1

HSBC Premier World Mastercard

HSBC

Card 2

KBank Platinum Plus

KBank

Card 3

ttb Platinum Credit Card

ttb

Your adjusted comparison

Feature	HSBCPlatinum HSBC Premier World Mastercard •••• •••• •••• 4242 Quick facts HSBC Premier World Mastercard Top reward3% Annual fee฿4,500 Min income฿40,000/mo Tap to flip back HSBC Premier World Mastercard HSBC	KBankPlatinum KBank Platinum Plus •••• •••• •••• 4242 Quick facts KBank Platinum Plus Top reward3% Annual fee฿2,999 Min income฿35,000/mo Tap to flip back KBank Platinum Plus KBank	ttbPlatinum ttb Platinum Credit Card •••• •••• •••• 4242 Quick facts ttb Platinum Credit Card Top reward2% Annual fee฿3,999 Min income฿35,000/mo Tap to flip back ttb Platinum Credit Card ttb
Fees & eligibility
Annual fee	฿4,500	฿2,999	฿3,999
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿40,000/mo	฿35,000/mo	฿35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,190/yr	-฿329/yr	-฿1,929/yr
Travel	—	3% cashback → ฿90/mo (฿1,080/yr)	2% cashback → ฿40/mo (฿480/yr) (cap hit)
Top reward rate	3%	3%	2%
Primary reward cap	฿5,000 rewards/mo cap	฿3,000 eligible spend/mo	฿2,000 eligible spend/mo
Perks & restrictions
Lounge access	Premier lounge access at select airports · No minimum spend required for lounge access	Airport lounge access at select airports · 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	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

HSBC Premier World Mastercard details →KBank Platinum Plus details →ttb Platinum Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Premier World Mastercard comparisons