Side-by-side · honest numbers
KBank JCB Platinum vs KBank Secured Card
Honest side-by-side comparison of KBank JCB Platinum, KBank Secured 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.
KBank JCB Platinum
KBank
KBank Secured Card
KBank
Your adjusted comparison
| Feature | KBank JCB Platinum KBank | KBank Secured Card KBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿2,999 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ฿30,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | -฿3,173/yr | ฿750/yr |
| Travel | ฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr) | — |
| Top reward rate | Boosted K Point (modeled 2X) | 0.5% cashback |
| 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.
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https://cardhungry.com/th/en/compare/kbank-jcb-platinum-vs-kbank-secured-thReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, KBank Secured Card leads KBank JCB Platinum by about ฿3,923/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
| Feature | KBank JCB Platinum KBank | KBank Secured Card KBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿2,999 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ฿30,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | -฿3,173/yr | ฿750/yr |
| Travel | ฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr) | — |
| Top reward rate | Boosted K Point (modeled 2X) | 0.5% cashback |
| 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 Secured Card has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- KBank Secured Card leads with an estimated ฿750/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.
- Which cards are secured (FD-backed)?
- KBank Secured Card is secured — useful for thin credit files without a bureau pull at application.
- 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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