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?

Krungsri HP Platinum leads with an estimated ฿560/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 HP Platinum vs Standard Chartered Journey

Honest side-by-side comparison of KBank Makro Platinum, Krungsri HP 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, Krungsri HP Platinum ranks first for estimated net annual value — ahead of KBank Makro Platinum by about ฿412/yr.

KBank Makro Platinum vs Krungsri HP Platinum vs Standard Chartered Journey comparison table
Feature	KBank Makro Platinum KBank	Krungsri HP Platinum Krungsri	Standard Chartered Journey Standard Chartered
Annual fee	฿1,490	฿1,990	฿3,500
Min income (monthly)	฿20,000	฿25,000	฿30,000
Top reward rate	5%	5%	3%
Net annual value (moderate spend)	฿148/yr	฿560/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?: Krungsri HP Platinum leads with an estimated ฿560/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 HP Platinum •••• •••• •••• 4242 Quick facts Krungsri HP Platinum Top reward5% Annual fee฿1,990 Min income฿25,000/mo Tap to flip back Krungsri HP 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	฿1,990	฿3,500
Min income	฿20,000	฿25,000	฿30,000
Top reward rate	5%	5%	3%
Net value (moderate)	฿148/yr	฿560/yr	-฿380/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

KBank Makro Platinum details →Krungsri HP Platinum details →Standard Chartered Journey details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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