Which card has the lower annual fee?

Krungsri NOW has the lowest annual fee at ฿599.

Which card earns more on moderate spend?

Krungsri NOW leads with an estimated ฿2,831/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungsri NOW 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 Krungsri NOW vs UOB Premier

Honest side-by-side comparison of HSBC Premier World Mastercard, Krungsri NOW, UOB Premier — 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 NOW ranks first for estimated net annual value — ahead of UOB Premier by about ฿2,730/yr.

HSBC Premier World Mastercard vs Krungsri NOW vs UOB Premier comparison table
Feature	HSBC Premier World Mastercard HSBC	Krungsri NOW Krungsri	UOB Premier UOB
Annual fee	฿4,500	฿599	฿4,999
Min income (monthly)	฿40,000	฿15,000	฿45,000
Top reward rate	3%	1% cashback	5%
Net annual value (moderate spend)	-฿2,190/yr	฿2,831/yr	฿101/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿100	—

Frequently asked questions

Which card has the lower annual fee?: Krungsri NOW has the lowest annual fee at ฿599.
Which card earns more on moderate spend?: Krungsri NOW leads with an estimated ฿2,831/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungsri NOW 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	KrungsriGold Krungsri NOW •••• •••• •••• 4242 Quick facts Krungsri NOW Top reward1% cashback Annual fee฿599 Min income฿15,000/mo Tap to flip back Krungsri NOW Krungsri	UOBPlatinum UOB Premier •••• •••• •••• 4242 Quick facts UOB Premier Top reward5% Annual fee฿4,999 Min income฿45,000/mo Tap to flip back UOB Premier UOB
Annual fee	฿4,500	฿599	฿4,999
Min income	฿40,000	฿15,000	฿45,000
Top reward rate	3%	1% cashback	5%
Net value (moderate)	-฿2,190/yr	฿2,831/yr	฿101/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿100	—

HSBC Premier World Mastercard details →Krungsri NOW details →UOB Premier details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Premier World Mastercard comparisons