Side-by-side · honest numbers
OneSiam KBank Credit Card vs KTC Visa Platinum
Honest side-by-side comparison of OneSiam KBank Credit Card, KTC Visa Platinum — 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
OneSiam KBank Credit Card
KBank
KTC Visa Platinum
KTC
Your adjusted comparison
| Feature | OneSiam KBank Credit Card KBank | KTC Visa Platinum KTC |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿3,999 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ฿50,000/mo | ฿15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿351/yr | -฿50/yr |
| Online shopping | ฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo | — |
| Top reward rate | Boosted / fee-waiver path | 1 KTC Forever / ฿25 equiv. |
| Primary reward cap | ฿2,000 rewards/mo cap | No monthly cap published |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/th/en/compare/kbank-onesiam-vs-ktc-visa-platinumReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, OneSiam KBank Credit Card leads KTC Visa Platinum by about ฿401/yr in estimated net value.
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
| Feature | OneSiam KBank Credit Card KBank | KTC Visa Platinum KTC |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿3,999 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ฿50,000/mo | ฿15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿351/yr | -฿50/yr |
| Online shopping | ฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo | — |
| Top reward rate | Boosted / fee-waiver path | 1 KTC Forever / ฿25 equiv. |
| Primary reward cap | ฿2,000 rewards/mo cap | No monthly cap published |
| Key exclusions | 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?
- KTC Visa Platinum has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- OneSiam KBank Credit Card leads with an estimated ฿351/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- KTC Visa Platinum 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.
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