Side-by-side · honest numbers
KBank Makro Platinum vs KBank Secured Card vs Krungthai Papaya
Honest side-by-side comparison of KBank Makro Platinum, KBank Secured Card, Krungthai Papaya — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Krungthai Papaya ranks first for estimated net annual value — ahead of KBank Secured Card by about ฿820/yr.
| Feature | KBank Makro Platinum KBank | KBank Secured Card KBank | Krungthai Papaya Krungthai |
|---|---|---|---|
| Annual fee | ฿1,490 | ฿0 | ฿0 |
| Min income (monthly) | ฿20,000 | Not stated | ฿12,000 |
| Top reward rate | 5% | 0.5% cashback | 1% cashback |
| Net annual value (moderate spend) | ฿148/yr | ฿750/yr | ฿1,570/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | — | — | ฿100 |
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?
- Krungthai Papaya leads with an estimated ฿1,570/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Papaya lists a minimum monthly income of ฿12,000.
- 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.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | KBankPlatinum KBank Makro Platinum •••• •••• •••• 4242 Quick facts KBank Makro Platinum Top reward5% Annual fee฿1,490 Min income฿20,000/mo Tap to flip back KBank Makro Platinum KBank | KBankClassic KBank Secured Card •••• •••• •••• 4242 Quick facts KBank Secured Card Top reward0.5% cashback Annual feeLifetime Free Tap to flip back KBank Secured Card KBank | KrungthaiGold Krungthai Papaya •••• •••• •••• 4242 Quick facts Krungthai Papaya Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungthai Papaya Krungthai |
|---|---|---|---|
| Annual fee | ฿1,490 | ฿0 | ฿0 |
| Min income | ฿20,000 | Not stated | ฿12,000 |
| Top reward rate | 5% | 0.5% cashback | 1% cashback |
| Net value (moderate) | ฿148/yr | ฿750/yr | ฿1,570/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | ฿100 |
More KBank Makro Platinum comparisons
- KBank Makro Platinum vs BBL Platinum Leader
- KBank Makro Platinum vs Bangkok Bank Be Smart
- KBank Makro Platinum vs Bangkok Bank M PRESTIGE
- KBank Makro Platinum vs Bangkok Bank Platinum
- KBank Makro Platinum vs Citi PremierMiles
- KBank Makro Platinum vs Citibank Rewards
- KBank Makro Platinum vs HSBC Advance Credit Card
- KBank Makro Platinum vs HSBC Premier World Mastercard
- KBank Makro Platinum vs KBank Platinum Plus
- KBank Makro Platinum vs KBank Prestige
- KBank Makro Platinum vs KBank Rabbit LINE Pay
- KBank Makro Platinum vs KBank Taurus