Side-by-side · honest numbers
HSBC Premier World Mastercard vs KBank Secured Card vs SCB FIRST
Honest side-by-side comparison of HSBC Premier World Mastercard, KBank Secured Card, SCB FIRST — 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 Secured Card ranks first for estimated net annual value — ahead of SCB FIRST by about ฿249/yr.
| Feature | HSBC Premier World Mastercard HSBC | KBank Secured Card KBank | SCB FIRST SCB |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿0 | ฿3,999 |
| Min income (monthly) | ฿40,000 | Not stated | ฿50,000 |
| Top reward rate | 3% | 0.5% cashback | 3% cashback |
| Net annual value (moderate spend) | -฿2,190/yr | ฿750/yr | ฿501/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?
- KBank Secured Card leads with an estimated ฿750/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.
- 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 | SCBPlatinum SCB FIRST •••• •••• •••• 4242 Quick facts SCB FIRST Top reward3% cashback Annual fee฿3,999 Min income฿50,000/mo Tap to flip back SCB FIRST SCB |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿0 | ฿3,999 |
| Min income | ฿40,000 | Not stated | ฿50,000 |
| Top reward rate | 3% | 0.5% cashback | 3% cashback |
| Net value (moderate) | -฿2,190/yr | ฿750/yr | ฿501/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | — |
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