Side-by-side · honest numbers
HSBC Premier World Mastercard vs Krungthai Travel Platinum Mastercard Debit
Honest side-by-side comparison of HSBC Premier World Mastercard, Krungthai Travel Platinum Mastercard Debit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HSBC Premier World Mastercard
HSBC
Krungthai Travel Platinum Mastercard Debit
Krungthai
Your adjusted comparison
| Feature | HSBC Premier World Mastercard HSBC | Krungthai Travel Platinum Mastercard Debit Krungthai |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿4,500 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ฿40,000/mo | ฿12,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿2,244/yr | ฿1,470/yr |
| Top reward rate | 3% | 0.8% cashback |
| Primary reward cap | ฿5,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Premier lounge access at select airports · No minimum spend required for lounge access | None |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | — | ฿100 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/th/en/compare/hsbc-premier-world-th-vs-ktb-papayaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Krungthai Travel Platinum Mastercard Debit leads HSBC Premier World Mastercard by about ฿3,714/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ฿23,000/mo
฿23,000/month total spend — typical Thailand user
Online ฿5,000 · Groceries ฿4,000 · Dining ฿3,000 · Travel ฿3,000 · Other ฿3,000
| Feature | HSBC Premier World Mastercard HSBC | Krungthai Travel Platinum Mastercard Debit Krungthai |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿4,500 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ฿40,000/mo | ฿12,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿2,244/yr | ฿1,470/yr |
| Top reward rate | 3% | 0.8% cashback |
| Primary reward cap | ฿5,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Premier lounge access at select airports · No minimum spend required for lounge access | None |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | — | ฿100 |
Frequently asked questions
- Which card has the lower annual fee?
- Krungthai Travel Platinum Mastercard Debit has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Krungthai Travel Platinum Mastercard Debit leads with an estimated ฿1,470/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Travel Platinum Mastercard Debit 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.
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