Side-by-side · honest numbers
HSBC Premier World Mastercard vs Krungsri Lady vs UOB ONE Card (Thailand)
Honest side-by-side comparison of HSBC Premier World Mastercard, Krungsri Lady, UOB ONE Card (Thailand) — 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 UOB ONE Card (Thailand) by about ฿2,290/yr.
| Feature | HSBC Premier World Mastercard HSBC | Krungsri Lady Krungsri | UOB ONE Card (Thailand) UOB |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿990 | ฿2,500 |
| Min income (monthly) | ฿40,000 | ฿18,000 | ฿30,000 |
| Top reward rate | 3% | 5% | Up to 3% |
| Net annual value (moderate spend) | -฿2,190/yr | ฿2,460/yr | ฿170/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.
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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 | UOBGold UOB ONE Card (Thailand) •••• •••• •••• 4242 Quick facts UOB ONE Card (Thailand) Top rewardUp to 3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back UOB ONE Card (Thailand) UOB |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿990 | ฿2,500 |
| Min income | ฿40,000 | ฿18,000 | ฿30,000 |
| Top reward rate | 3% | 5% | Up to 3% |
| Net value (moderate) | -฿2,190/yr | ฿2,460/yr | ฿170/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ฿300 | — |
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