Side-by-side · honest numbers
HSBC Premier World Mastercard vs Krungthai Papaya vs SCB JCB Platinum
Honest side-by-side comparison of HSBC Premier World Mastercard, Krungthai Papaya, SCB JCB 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, Krungthai Papaya ranks first for estimated net annual value — ahead of SCB JCB Platinum by about ฿560/yr.
| Feature | HSBC Premier World Mastercard HSBC | Krungthai Papaya Krungthai | SCB JCB Platinum SCB |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿0 | ฿2,500 |
| Min income (monthly) | ฿40,000 | ฿12,000 | ฿30,000 |
| Top reward rate | 3% | 1% cashback | 3% |
| Net annual value (moderate spend) | -฿2,190/yr | ฿1,570/yr | ฿1,010/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ฿100 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Krungthai Papaya leads with an estimated ฿1,570/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Papaya 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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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 | KrungthaiGold Krungthai Papaya •••• •••• •••• 4242 Quick facts Krungthai Papaya Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungthai Papaya Krungthai | SCBPlatinum SCB JCB Platinum •••• •••• •••• 4242 Quick facts SCB JCB Platinum Top reward3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back SCB JCB Platinum SCB |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿0 | ฿2,500 |
| Min income | ฿40,000 | ฿12,000 | ฿30,000 |
| Top reward rate | 3% | 1% cashback | 3% |
| Net value (moderate) | -฿2,190/yr | ฿1,570/yr | ฿1,010/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ฿100 | — |
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