Which card has the lower annual fee?

Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungthai Papaya lists a minimum monthly income of ฿12,000.

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 Krungthai Papaya vs SCB K-Spect

Honest side-by-side comparison of KBank Makro Platinum, Krungthai Papaya, SCB K-Spect — 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, SCB K-Spect ranks first for estimated net annual value — ahead of Krungthai Papaya by about ฿1,981/yr.

KBank Makro Platinum vs Krungthai Papaya vs SCB K-Spect comparison table
Feature	KBank Makro Platinum KBank	Krungthai Papaya Krungthai	SCB K-Spect SCB
Annual fee	฿1,490	฿0	฿799
Min income (monthly)	฿20,000	฿12,000	฿15,000
Top reward rate	5%	1% cashback	Up to 5%
Net annual value (moderate spend)	฿148/yr	฿1,570/yr	฿3,551/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿100	—

Frequently asked questions

Which card has the lower annual fee?: Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungthai Papaya lists a minimum monthly income of ฿12,000.
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	KrungthaiGold Krungthai Papaya •••• •••• •••• 4242 Quick facts Krungthai Papaya Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungthai Papaya Krungthai	SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB
Annual fee	฿1,490	฿0	฿799
Min income	฿20,000	฿12,000	฿15,000
Top reward rate	5%	1% cashback	Up to 5%
Net value (moderate)	฿148/yr	฿1,570/yr	฿3,551/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿100	—

KBank Makro Platinum details →Krungthai Papaya details →SCB K-Spect details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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