Side-by-side · honest numbers
KBank Makro Platinum vs KBank Secured Card vs ttb Platinum Credit Card
Honest side-by-side comparison of KBank Makro Platinum, KBank Secured Card, ttb Platinum Credit Card — 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, KBank Secured Card ranks first for estimated net annual value — ahead of KBank Makro Platinum by about ฿602/yr.
| Feature | KBank Makro Platinum KBank | KBank Secured Card KBank | ttb Platinum Credit Card ttb |
|---|---|---|---|
| Annual fee | ฿1,490 | ฿0 | ฿3,999 |
| Min income (monthly) | ฿20,000 | Not stated | ฿35,000 |
| Top reward rate | 5% | 0.5% cashback | 2% |
| Net annual value (moderate spend) | ฿148/yr | ฿750/yr | -฿1,569/yr |
| Secured / FD-backed | No | Yes | No |
| 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 Makro Platinum lists a minimum monthly income of ฿20,000.
- 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 | ttbPlatinum ttb Platinum Credit Card •••• •••• •••• 4242 Quick facts ttb Platinum Credit Card Top reward2% Annual fee฿3,999 Min income฿35,000/mo Tap to flip back ttb Platinum Credit Card ttb |
|---|---|---|---|
| Annual fee | ฿1,490 | ฿0 | ฿3,999 |
| Min income | ฿20,000 | Not stated | ฿35,000 |
| Top reward rate | 5% | 0.5% cashback | 2% |
| Net value (moderate) | ฿148/yr | ฿750/yr | -฿1,569/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | — |
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