Which card has the lower annual fee?

KBank X has the lowest annual fee at ฿599.

Which card earns more on moderate spend?

KBank X leads with an estimated ฿7,491/yr net annual value on moderate spend.

Which card has the lower income requirement?

KBank X 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.

Side-by-side · honest numbers

KBank Makro Platinum vs KBank X vs SCB FIRST

Honest side-by-side comparison of KBank Makro Platinum, KBank X, SCB FIRST — 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 X ranks first for estimated net annual value — ahead of SCB FIRST by about ฿6,990/yr.

KBank Makro Platinum vs KBank X vs SCB FIRST comparison table
Feature	KBank Makro Platinum KBank	KBank X KBank	SCB FIRST SCB
Annual fee	฿1,490	฿599	฿3,999
Min income (monthly)	฿20,000	฿15,000	฿50,000
Top reward rate	5%	Up to 10%	3% cashback
Net annual value (moderate spend)	฿148/yr	฿7,491/yr	฿501/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿500	—

Frequently asked questions

Which card has the lower annual fee?: KBank X has the lowest annual fee at ฿599.
Which card earns more on moderate spend?: KBank X leads with an estimated ฿7,491/yr net annual value on moderate spend.
Which card has the lower income requirement?: KBank X 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.

Customize your spend

Change spend profile or swap cards — results update live below.

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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	KBankGold KBank X •••• •••• •••• 4242 Quick facts KBank X Top rewardUp to 10% Annual fee฿599 Min income฿15,000/mo Tap to flip back KBank X KBank	SCBPlatinum SCB FIRST •••• •••• •••• 4242 Quick facts SCB FIRST Top reward3% cashback Annual fee฿3,999 Min income฿50,000/mo Tap to flip back SCB FIRST SCB
Annual fee	฿1,490	฿599	฿3,999
Min income	฿20,000	฿15,000	฿50,000
Top reward rate	5%	Up to 10%	3% cashback
Net value (moderate)	฿148/yr	฿7,491/yr	฿501/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿500	—

KBank Makro Platinum details →KBank X details →SCB FIRST details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Makro Platinum comparisons