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?

KBank JCB Platinum leads with an estimated -฿3,173/yr net annual value on moderate spend.

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.

Side-by-side · honest numbers

KBank JCB Platinum vs KBank Mastercard Platinum vs KBank UnionPay Platinum

Honest side-by-side comparison of KBank JCB Platinum, KBank Mastercard Platinum, KBank UnionPay 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.

Card 1

KBank JCB Platinum

KBank

Card 2

KBank Mastercard Platinum

KBank

Card 3

KBank UnionPay Platinum

KBank

Your adjusted comparison

Feature	KBank JCB Platinum KBank	KBank Mastercard Platinum KBank	KBank UnionPay Platinum KBank
Fees & eligibility
Annual fee	฿2,999	฿2,999	฿2,999
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿30,000/mo	฿30,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿3,173/yr	-฿3,173/yr	-฿3,191/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)	Boosted K Point (modeled 2X)
Primary reward cap	No monthly cap published	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	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

KBank JCB Platinum details →KBank Mastercard Platinum details →KBank UnionPay Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank JCB Platinum ranks first for estimated net annual value — ahead of KBank Mastercard Platinum by about ฿0/yr.

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

KBank JCB Platinum vs KBank Mastercard Platinum vs KBank UnionPay Platinum comparison table
Feature	KBank JCB Platinum KBank	KBank Mastercard Platinum KBank	KBank UnionPay Platinum KBank
Fees & eligibility
Annual fee	฿2,999	฿2,999	฿2,999
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿30,000/mo	฿30,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿3,173/yr	-฿3,173/yr	-฿3,191/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)	Boosted K Point (modeled 2X)
Primary reward cap	No monthly cap published	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	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?: KBank JCB Platinum leads with an estimated -฿3,173/yr net annual value on moderate spend.
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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More KBank JCB Platinum comparisons