Which card has the lower annual fee?

KBank X has the lowest annual fee at ฿599.

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?

KBank X 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 X vs SCB Ultra Platinum

Honest side-by-side comparison of HSBC Premier World Mastercard, KBank X, SCB Ultra Platinum — 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 SCB Ultra Platinum by about ฿8,580/yr.

HSBC Premier World Mastercard vs KBank X vs SCB Ultra Platinum comparison table
Feature	HSBC Premier World Mastercard HSBC	KBank X KBank	SCB Ultra Platinum SCB
Annual fee	฿4,500	฿599	฿6,999
Min income (monthly)	฿40,000	฿15,000	฿80,000
Top reward rate	3%	Up to 10%	4%
Net annual value (moderate spend)	-฿2,190/yr	฿7,491/yr	-฿1,089/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿500	—

Frequently asked questions

Which card has the lower annual fee?: KBank X has the lowest annual fee at ฿599.
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?: KBank X 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 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	SCBPlatinum SCB Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB
Annual fee	฿4,500	฿599	฿6,999
Min income	฿40,000	฿15,000	฿80,000
Top reward rate	3%	Up to 10%	4%
Net value (moderate)	-฿2,190/yr	฿7,491/yr	-฿1,089/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿500	—

HSBC Premier World Mastercard details →KBank X details →SCB Ultra Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Premier World Mastercard comparisons