Which card has the lower annual fee?

Krungsri Lady has the lowest annual fee at ฿990.

Which card earns more on moderate spend?

Krungsri Lady leads with an estimated ฿2,460/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungsri Lady lists a minimum monthly income of ฿18,000.

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 Krungsri Lady vs Standard Chartered Journey

Honest side-by-side comparison of HSBC Premier World Mastercard, Krungsri Lady, Standard Chartered Journey — 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, Krungsri Lady ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿2,840/yr.

HSBC Premier World Mastercard vs Krungsri Lady vs Standard Chartered Journey comparison table
Feature	HSBC Premier World Mastercard HSBC	Krungsri Lady Krungsri	Standard Chartered Journey Standard Chartered
Annual fee	฿4,500	฿990	฿3,500
Min income (monthly)	฿40,000	฿18,000	฿30,000
Top reward rate	3%	5%	3%
Net annual value (moderate spend)	-฿2,190/yr	฿2,460/yr	-฿380/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿300	—

Frequently asked questions

Which card has the lower annual fee?: Krungsri Lady has the lowest annual fee at ฿990.
Which card earns more on moderate spend?: Krungsri Lady leads with an estimated ฿2,460/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungsri Lady lists a minimum monthly income of ฿18,000.
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	KrungsriGold Krungsri Lady •••• •••• •••• 4242 Quick facts Krungsri Lady Top reward5% Annual fee฿990 Min income฿18,000/mo Tap to flip back Krungsri Lady Krungsri	Standard CharteredPlatinum Standard Chartered Journey •••• •••• •••• 4242 Quick facts Standard Chartered Journey Top reward3% Annual fee฿3,500 Min income฿30,000/mo Tap to flip back Standard Chartered Journey Standard Chartered
Annual fee	฿4,500	฿990	฿3,500
Min income	฿40,000	฿18,000	฿30,000
Top reward rate	3%	5%	3%
Net value (moderate)	-฿2,190/yr	฿2,460/yr	-฿380/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿300	—

HSBC Premier World Mastercard details →Krungsri Lady details →Standard Chartered Journey details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Premier World Mastercard comparisons