Which card has the lower annual fee?

KBank Taurus has the lowest annual fee at ฿699.

Which card earns more on moderate spend?

SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.

Which card has the lower income requirement?

SCB K-Spect lists a minimum monthly income of ฿15,000.

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 Taurus vs SCB K-Spect

Honest side-by-side comparison of HSBC Premier World Mastercard, KBank Taurus, SCB K-Spect — 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, SCB K-Spect ranks first for estimated net annual value — ahead of KBank Taurus by about ฿1,340/yr.

HSBC Premier World Mastercard vs KBank Taurus vs SCB K-Spect comparison table
Feature	HSBC Premier World Mastercard HSBC	KBank Taurus KBank	SCB K-Spect SCB
Annual fee	฿4,500	฿699	฿799
Min income (monthly)	฿40,000	฿18,000	฿15,000
Top reward rate	3%	5%	Up to 5%
Net annual value (moderate spend)	-฿2,190/yr	฿2,211/yr	฿3,551/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: KBank Taurus has the lowest annual fee at ฿699.
Which card earns more on moderate spend?: SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB K-Spect lists a minimum monthly income of ฿15,000.
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.

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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	KBankGold KBank Taurus •••• •••• •••• 4242 Quick facts KBank Taurus Top reward5% Annual fee฿699 Min income฿18,000/mo Tap to flip back KBank Taurus KBank	SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB
Annual fee	฿4,500	฿699	฿799
Min income	฿40,000	฿18,000	฿15,000
Top reward rate	3%	5%	Up to 5%
Net value (moderate)	-฿2,190/yr	฿2,211/yr	฿3,551/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

HSBC Premier World Mastercard details →KBank Taurus details →SCB K-Spect details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Premier World Mastercard comparisons