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HSBC Premier World Mastercard vs Krungthai Pearl Credit Card

Honest side-by-side comparison of HSBC Premier World Mastercard, Krungthai Pearl Credit Card — 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 Pearl Credit Card

Krungthai

Your adjusted comparison

Feature
HSBC Premier World Mastercard credit card

HSBC Premier World Mastercard

HSBC

Krungthai Pearl Credit Card

Krungthai Pearl Credit Card

Krungthai

Fees & eligibility
Annual fee฿4,500฿1,200
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿2,244/yr฿930/yr
Utilities & bills—฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo
Top reward rate3%2%
Primary reward cap฿5,000 rewards/mo cap฿500 rewards/mo cap
Perks & restrictions
Lounge accessPremier lounge access at select airports · No minimum spend required for lounge accessNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HSBC Premier World Mastercard details →Krungthai Pearl Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungthai Pearl Credit Card leads HSBC Premier World Mastercard by about ฿3,174/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

HSBC Premier World Mastercard vs Krungthai Pearl Credit Card comparison table
FeatureHSBC Premier World Mastercard

HSBC

Krungthai Pearl Credit Card

Krungthai

Fees & eligibility
Annual fee฿4,500฿1,200
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿2,244/yr฿930/yr
Utilities & bills—฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo
Top reward rate3%2%
Primary reward cap฿5,000 rewards/mo cap฿500 rewards/mo cap
Perks & restrictions
Lounge accessPremier lounge access at select airports · No minimum spend required for lounge accessNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
Krungthai Pearl Credit Card has the lowest annual fee at ฿1,200.
Which card earns more on moderate spend?
Krungthai Pearl Credit Card leads with an estimated ฿930/yr net annual value on moderate spend.
Which card has the lower income requirement?
Krungthai Pearl Credit Card 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.

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