Which card has the lower annual fee?

Krungsri HP Platinum has the lowest annual fee at ฿1,990.

Which card earns more on moderate spend?

Krungsri HP Platinum leads with an estimated ฿515/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungsri HP Platinum lists a minimum monthly income of ฿25,000.

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

OneSiam KBank Credit Card vs Krungsri HP Platinum vs KTC X Visa Signature

Honest side-by-side comparison of OneSiam KBank Credit Card, Krungsri HP Platinum, KTC X Visa Signature — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

OneSiam KBank Credit Card

KBank

Card 2

Krungsri HP Platinum

Krungsri

Card 3

KTC X Visa Signature

KTC

Your adjusted comparison

Feature	OneSiam KBank Credit Card KBank	Krungsri HP Platinum Krungsri	KTC X Visa Signature KTC
Fees & eligibility
Annual fee	฿3,999	฿1,990	฿5,000
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿50,000/mo	฿25,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	฿351/yr	฿515/yr	-฿4,730/yr
Online shopping	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo	฿2,000 × 5% = ฿100/mo (฿1,200/yr) · cap reached	฿5,000 → 100 pts/mo × ฿0.25/pt = ฿25/mo (฿300/yr)
Dining & delivery	—	—	฿3,000 → 60 pts/mo × ฿0.25/pt = ฿15/mo (฿180/yr)
Top reward rate	Boosted / fee-waiver path	5%	3X Forever (when fee paid)
Primary reward cap	฿2,000 rewards/mo cap	฿2,000 eligible spend/mo	No monthly cap published
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

OneSiam KBank Credit Card details →Krungsri HP Platinum details →KTC X Visa Signature details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungsri HP Platinum ranks first for estimated net annual value — ahead of OneSiam KBank Credit Card by about ฿164/yr.

Spend assumptions for this table

Moderate user spend profile · ฿23,000/mo

฿23,000/month total spend — typical Thailand user

Online ฿5,000 · Groceries ฿4,000 · Dining ฿3,000 · Travel ฿3,000 · Other ฿3,000

OneSiam KBank Credit Card vs Krungsri HP Platinum vs KTC X Visa Signature comparison table
Feature	OneSiam KBank Credit Card KBank	Krungsri HP Platinum Krungsri	KTC X Visa Signature KTC
Fees & eligibility
Annual fee	฿3,999	฿1,990	฿5,000
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿50,000/mo	฿25,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	฿351/yr	฿515/yr	-฿4,730/yr
Online shopping	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo	฿2,000 × 5% = ฿100/mo (฿1,200/yr) · cap reached	฿5,000 → 100 pts/mo × ฿0.25/pt = ฿25/mo (฿300/yr)
Dining & delivery	—	—	฿3,000 → 60 pts/mo × ฿0.25/pt = ฿15/mo (฿180/yr)
Top reward rate	Boosted / fee-waiver path	5%	3X Forever (when fee paid)
Primary reward cap	฿2,000 rewards/mo cap	฿2,000 eligible spend/mo	No monthly cap published
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: Krungsri HP Platinum has the lowest annual fee at ฿1,990.
Which card earns more on moderate spend?: Krungsri HP Platinum leads with an estimated ฿515/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungsri HP Platinum lists a minimum monthly income of ฿25,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More OneSiam KBank Credit Card comparisons