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KBank JCB Platinum vs Standard Chartered Journey vs CardX MY TRAVEL

Honest side-by-side comparison of KBank JCB Platinum, Standard Chartered Journey, CardX MY TRAVEL — 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

Standard Chartered Journey

Standard Chartered

CardX MY TRAVEL

CardX

Your adjusted comparison

Feature
KBank JCB Platinum credit card

KBank JCB Platinum

KBank

Standard Chartered Journey credit card

Standard Chartered Journey

Standard Chartered

CardX MY TRAVEL credit card

CardX MY TRAVEL

CardX

Fees & eligibility
Annual fee฿2,999฿3,500฿3,000
Fee waiver thresholdNo waiver publishedNo waiver published฿300,000/yr
Min income฿30,000/mo฿30,000/mo฿25,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)-฿1,793/yr-฿1,010/yr-฿570/yr
Travel฿3,000 → 240 pts/mo × ฿0.15/pt = ฿36/mo (฿432/yr)฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo—
Top reward rateBoosted K Point (modeled 2X)3%1 PointX per ฿25
Primary reward capNo monthly cap published฿5,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNoneNoneNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——฿500
KBank JCB Platinum details →Standard Chartered Journey details →CardX MY TRAVEL details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, CardX MY TRAVEL ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿440/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 Standard Chartered Journey vs CardX MY TRAVEL comparison table
FeatureKBank JCB Platinum

KBank

Standard Chartered Journey

Standard Chartered

CardX MY TRAVEL

CardX

Fees & eligibility
Annual fee฿2,999฿3,500฿3,000
Fee waiver thresholdNo waiver publishedNo waiver published฿300,000/yr
Min income฿30,000/mo฿30,000/mo฿25,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)-฿1,793/yr-฿1,010/yr-฿570/yr
Travel฿3,000 → 240 pts/mo × ฿0.15/pt = ฿36/mo (฿432/yr)฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo—
Top reward rateBoosted K Point (modeled 2X)3%1 PointX per ฿25
Primary reward capNo monthly cap published฿5,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNoneNoneNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——฿500

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?
CardX MY TRAVEL leads with an estimated -฿570/yr net annual value on moderate spend.
Which card has the lower income requirement?
CardX MY TRAVEL lists a minimum monthly income of ฿25,000.
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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