Side-by-side · honest numbers
KBank JCB Platinum vs KBank Mastercard Platinum
Honest side-by-side comparison of KBank JCB Platinum, KBank Mastercard Platinum — 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
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
KBank JCB Platinum
KBank
KBank Mastercard Platinum
KBank
Your adjusted comparison
| Feature | KBank JCB Platinum KBank | KBank Mastercard Platinum KBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿2,999 | ฿2,999 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿30,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿3,173/yr | -฿3,173/yr |
| Travel | ฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr) | ฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr) |
| Top reward rate | Boosted K Point (modeled 2X) | Boosted K Point (modeled 2X) |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · 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.
Share this comparison
https://cardhungry.com/th/en/compare/kbank-jcb-platinum-vs-kbank-mastercard-platinumReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, all compared cards show a similar estimated net annual 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 | KBank JCB Platinum KBank | KBank Mastercard Platinum KBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿2,999 | ฿2,999 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿30,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿3,173/yr | -฿3,173/yr |
| Travel | ฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr) | ฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr) |
| Top reward rate | Boosted K Point (modeled 2X) | Boosted K Point (modeled 2X) |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- KBank JCB Platinum has the lowest annual fee at ฿2,999.
- Which card earns more on moderate spend?
- All cards show a similar estimated net annual value of about -฿3,173/yr on this profile.
- Which card has the lower income requirement?
- KBank JCB Platinum lists a minimum monthly income of ฿30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More KBank JCB Platinum comparisons
- KBank JCB Platinum vs BBL Platinum Leader
- KBank JCB Platinum vs Bangkok Bank Be Smart
- KBank JCB Platinum vs Bangkok Bank M PRESTIGE
- KBank JCB Platinum vs Bangkok Bank Platinum
- KBank JCB Platinum vs CardX UP2ME Mastercard
- KBank JCB Platinum vs HSBC Advance Credit Card
- KBank JCB Platinum vs HSBC Premier World Mastercard
- KBank JCB Platinum vs KBank Blue Credit Card
- KBank JCB Platinum vs KBank LINE POINTS Credit Card
- KBank JCB Platinum vs KBank PLUSTINUM
- KBank JCB Platinum vs KBank Platinum Plus
- KBank JCB Platinum vs KBank Prestige