Side-by-side · honest numbers
HSBC Premier World Mastercard vs KBank Secured Card vs Krungthai Pearl Credit Card
Honest side-by-side comparison of HSBC Premier World Mastercard, KBank Secured Card, Krungthai Pearl 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, Krungthai Pearl Credit Card ranks first for estimated net annual value — ahead of KBank Secured Card by about ฿180/yr.
| Feature | HSBC Premier World Mastercard HSBC | KBank Secured Card KBank | Krungthai Pearl Credit Card Krungthai |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿0 | ฿1,200 |
| Min income (monthly) | ฿40,000 | Not stated | ฿15,000 |
| Top reward rate | 3% | 0.5% cashback | 2% |
| Net annual value (moderate spend) | -฿2,190/yr | ฿750/yr | ฿930/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?
- Krungthai Pearl Credit Card leads with an estimated ฿930/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Pearl Credit Card 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 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 | 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 | KrungthaiGold Krungthai Pearl Credit Card •••• •••• •••• 4242 Quick facts Krungthai Pearl Credit Card Top reward2% Annual fee฿1,200 Min income฿15,000/mo Tap to flip back Krungthai Pearl Credit Card Krungthai |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿0 | ฿1,200 |
| Min income | ฿40,000 | Not stated | ฿15,000 |
| Top reward rate | 3% | 0.5% cashback | 2% |
| Net value (moderate) | -฿2,190/yr | ฿750/yr | ฿930/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | — |
More HSBC Premier World Mastercard comparisons
- HSBC Premier World Mastercard vs BBL Platinum Leader
- HSBC Premier World Mastercard vs Bangkok Bank Be Smart
- HSBC Premier World Mastercard vs Bangkok Bank M PRESTIGE
- HSBC Premier World Mastercard vs Bangkok Bank Platinum
- HSBC Premier World Mastercard vs Citi PremierMiles
- HSBC Premier World Mastercard vs Citibank Rewards
- HSBC Premier World Mastercard vs HSBC Advance Credit Card
- HSBC Premier World Mastercard vs KBank Makro Platinum
- HSBC Premier World Mastercard vs KBank Platinum Plus
- HSBC Premier World Mastercard vs KBank Prestige
- HSBC Premier World Mastercard vs KBank Rabbit LINE Pay
- HSBC Premier World Mastercard vs KBank Taurus