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.

Side-by-side · honest numbers

HSBC Premier World Mastercard vs Krungthai Papaya vs SCB Ultra Platinum

Honest side-by-side comparison of HSBC Premier World Mastercard, Krungthai Papaya, SCB Ultra 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 Ultra Platinum by about ฿2,659/yr.

HSBC Premier World Mastercard vs Krungthai Papaya vs SCB Ultra Platinum comparison table
Feature	HSBC Premier World Mastercard HSBC	Krungthai Papaya Krungthai	SCB Ultra Platinum SCB
Annual fee	฿4,500	฿0	฿6,999
Min income (monthly)	฿40,000	฿12,000	฿80,000
Top reward rate	3%	1% cashback	4%
Net annual value (moderate spend)	-฿2,190/yr	฿1,570/yr	-฿1,089/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.

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	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 Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB
Annual fee	฿4,500	฿0	฿6,999
Min income	฿40,000	฿12,000	฿80,000
Top reward rate	3%	1% cashback	4%
Net value (moderate)	-฿2,190/yr	฿1,570/yr	-฿1,089/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿100	—

HSBC Premier World Mastercard details →Krungthai Papaya details →SCB Ultra Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Premier World Mastercard comparisons