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 ttb reserve infinite

Honest side-by-side comparison of KBank Makro Platinum, Krungthai Pearl Credit Card, ttb reserve 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 ttb reserve infinite comparison table
Feature	KBank Makro Platinum KBank	Krungthai Pearl Credit Card Krungthai	ttb reserve infinite ttb
Annual fee	฿1,490	฿1,200	฿16,900
Min income (monthly)	฿20,000	฿15,000	฿100,000
Top reward rate	5%	2%	5% cashback
Net annual value (moderate spend)	฿148/yr	฿930/yr	-฿10,600/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	ttbMetal ttb reserve infinite •••• •••• •••• 4242 Quick facts ttb reserve infinite Top reward5% cashback Annual fee฿16,900 Min income฿100,000/mo Tap to flip back ttb reserve infinite ttb
Annual fee	฿1,490	฿1,200	฿16,900
Min income	฿20,000	฿15,000	฿100,000
Top reward rate	5%	2%	5% cashback
Net value (moderate)	฿148/yr	฿930/yr	-฿10,600/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

KBank Makro Platinum details →Krungthai Pearl Credit Card details →ttb reserve infinite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Makro Platinum comparisons