Which card has the lower annual fee?

KBank Makro Platinum has the lowest annual fee at ฿1,490.

Which card earns more on moderate spend?

KBank Makro Platinum leads with an estimated ฿148/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.

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 Krungsri AIA Visa Platinum vs Standard Chartered Journey

Honest side-by-side comparison of KBank Makro Platinum, Krungsri AIA Visa Platinum, Standard Chartered Journey — 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 Makro Platinum ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿528/yr.

KBank Makro Platinum vs Krungsri AIA Visa Platinum vs Standard Chartered Journey comparison table
Feature	KBank Makro Platinum KBank	Krungsri AIA Visa Platinum Krungsri	Standard Chartered Journey Standard Chartered
Annual fee	฿1,490	฿3,500	฿3,500
Min income (monthly)	฿20,000	฿30,000	฿30,000
Top reward rate	5%	2 pts/฿150	3%
Net annual value (moderate spend)	฿148/yr	-฿3,632/yr	-฿380/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: KBank Makro Platinum has the lowest annual fee at ฿1,490.
Which card earns more on moderate spend?: KBank Makro Platinum leads with an estimated ฿148/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.
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	KrungsriPlatinum Krungsri AIA Visa Platinum •••• •••• •••• 4242 Quick facts Krungsri AIA Visa Platinum Top reward2 pts/฿150 Annual fee฿3,500 Min income฿30,000/mo Tap to flip back Krungsri AIA Visa Platinum Krungsri	Standard CharteredPlatinum Standard Chartered Journey •••• •••• •••• 4242 Quick facts Standard Chartered Journey Top reward3% Annual fee฿3,500 Min income฿30,000/mo Tap to flip back Standard Chartered Journey Standard Chartered
Annual fee	฿1,490	฿3,500	฿3,500
Min income	฿20,000	฿30,000	฿30,000
Top reward rate	5%	2 pts/฿150	3%
Net value (moderate)	฿148/yr	-฿3,632/yr	-฿380/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

KBank Makro Platinum details →Krungsri AIA Visa Platinum details →Standard Chartered Journey details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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