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KBank LINE POINTS Credit Card vs KBank Mastercard Platinum

Honest side-by-side comparison of KBank LINE POINTS Credit Card, 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

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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 LINE POINTS Credit Card

KBank

KBank Mastercard Platinum

KBank

Your adjusted comparison

Feature
KBank LINE POINTS Credit Card

KBank LINE POINTS Credit Card

KBank

KBank Mastercard Platinum credit card

KBank Mastercard Platinum

KBank

Fees & eligibility
Annual feeLifetime free฿2,999
Fee waiver thresholdLifetime freeNo waiver published
Min income฿15,000/mo฿30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,150/yr-฿3,173/yr
Online shopping฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿800/mo—
Travel—฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr)
Top reward rateUp to 3% cashbackBoosted K Point (modeled 2X)
Primary reward cap฿800 rewards/mo capNo monthly cap published
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.

KBank LINE POINTS Credit Card details →KBank Mastercard Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank LINE POINTS Credit Card leads KBank Mastercard Platinum by about ฿6,323/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

KBank LINE POINTS Credit Card vs KBank Mastercard Platinum comparison table
FeatureKBank LINE POINTS Credit Card

KBank

KBank Mastercard Platinum

KBank

Fees & eligibility
Annual feeLifetime free฿2,999
Fee waiver thresholdLifetime freeNo waiver published
Min income฿15,000/mo฿30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,150/yr-฿3,173/yr
Online shopping฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿800/mo—
Travel—฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr)
Top reward rateUp to 3% cashbackBoosted K Point (modeled 2X)
Primary reward cap฿800 rewards/mo capNo monthly cap published
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?
KBank LINE POINTS Credit Card has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
KBank LINE POINTS Credit Card leads with an estimated ฿3,150/yr net annual value on moderate spend.
Which card has the lower income requirement?
KBank LINE POINTS 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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