Which card has the lower annual fee?

Krungthai Pearl Credit Card has the lowest annual fee at ฿1,200.

Which card earns more on moderate spend?

Krungthai Pearl Credit Card leads with an estimated ฿930/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungthai Pearl Credit Card 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 Krungthai Pearl Credit Card vs SCB Private Banking Infinite

Honest side-by-side comparison of KBank Makro Platinum, Krungthai Pearl Credit Card, SCB Private Banking Infinite — 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, Krungthai Pearl Credit Card ranks first for estimated net annual value — ahead of KBank Makro Platinum by about ฿782/yr.

KBank Makro Platinum vs Krungthai Pearl Credit Card vs SCB Private Banking Infinite comparison table
Feature	KBank Makro Platinum KBank	Krungthai Pearl Credit Card Krungthai	SCB Private Banking Infinite SCB
Annual fee	฿1,490	฿1,200	฿20,000
Min income (monthly)	฿20,000	฿15,000	฿150,000
Top reward rate	5%	2%	5%
Net annual value (moderate spend)	฿148/yr	฿930/yr	-฿13,700/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: Krungthai Pearl Credit Card has the lowest annual fee at ฿1,200.
Which card earns more on moderate spend?: Krungthai Pearl Credit Card leads with an estimated ฿930/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungthai Pearl Credit Card 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	KrungthaiGold Krungthai Pearl Credit Card •••• •••• •••• 4242 Quick facts Krungthai Pearl Credit Card Top reward2% Annual fee฿1,200 Min income฿15,000/mo Tap to flip back Krungthai Pearl Credit Card Krungthai	SCBMetal SCB Private Banking Infinite •••• •••• •••• 4242 Quick facts SCB Private Banking Infinite Top reward5% Annual fee฿20,000 Min income฿150,000/mo Tap to flip back SCB Private Banking Infinite SCB
Annual fee	฿1,490	฿1,200	฿20,000
Min income	฿20,000	฿15,000	฿150,000
Top reward rate	5%	2%	5%
Net value (moderate)	฿148/yr	฿930/yr	-฿13,700/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

KBank Makro Platinum details →Krungthai Pearl Credit Card details →SCB Private Banking Infinite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Makro Platinum comparisons