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 SCB Ultra Platinum

Honest side-by-side comparison of KBank Makro Platinum, Krungsri AIA Visa Platinum, SCB Ultra Platinum — 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 SCB Ultra Platinum by about ฿1,237/yr.

KBank Makro Platinum vs Krungsri AIA Visa Platinum vs SCB Ultra Platinum comparison table
Feature	KBank Makro Platinum KBank	Krungsri AIA Visa Platinum Krungsri	SCB Ultra Platinum SCB
Annual fee	฿1,490	฿3,500	฿6,999
Min income (monthly)	฿20,000	฿30,000	฿80,000
Top reward rate	5%	2 pts/฿150	4%
Net annual value (moderate spend)	฿148/yr	-฿3,632/yr	-฿1,089/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	SCBPlatinum SCB Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB
Annual fee	฿1,490	฿3,500	฿6,999
Min income	฿20,000	฿30,000	฿80,000
Top reward rate	5%	2 pts/฿150	4%
Net value (moderate)	฿148/yr	-฿3,632/yr	-฿1,089/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

KBank Makro Platinum details →Krungsri AIA Visa Platinum details →SCB Ultra Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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