Which card has the lower annual fee?

Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

KBank X leads with an estimated ฿7,491/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungthai Papaya lists a minimum monthly income of ฿12,000.

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 X vs Krungthai Papaya

Honest side-by-side comparison of HSBC Premier World Mastercard, KBank X, Krungthai Papaya — 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 X ranks first for estimated net annual value — ahead of Krungthai Papaya by about ฿5,921/yr.

HSBC Premier World Mastercard vs KBank X vs Krungthai Papaya comparison table
Feature	HSBC Premier World Mastercard HSBC	KBank X KBank	Krungthai Papaya Krungthai
Annual fee	฿4,500	฿599	฿0
Min income (monthly)	฿40,000	฿15,000	฿12,000
Top reward rate	3%	Up to 10%	1% cashback
Net annual value (moderate spend)	-฿2,190/yr	฿7,491/yr	฿1,570/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿500	฿100

Frequently asked questions

Which card has the lower annual fee?: Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: KBank X leads with an estimated ฿7,491/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungthai Papaya lists a minimum monthly income of ฿12,000.
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 X •••• •••• •••• 4242 Quick facts KBank X Top rewardUp to 10% Annual fee฿599 Min income฿15,000/mo Tap to flip back KBank X KBank	KrungthaiGold Krungthai Papaya •••• •••• •••• 4242 Quick facts Krungthai Papaya Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungthai Papaya Krungthai
Annual fee	฿4,500	฿599	฿0
Min income	฿40,000	฿15,000	฿12,000
Top reward rate	3%	Up to 10%	1% cashback
Net value (moderate)	-฿2,190/yr	฿7,491/yr	฿1,570/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿500	฿100

HSBC Premier World Mastercard details →KBank X details →Krungthai Papaya details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Premier World Mastercard comparisons