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KBank Platinum Plus vs KBank Shopee Credit Card

Honest side-by-side comparison of KBank Platinum Plus, KBank Shopee Credit Card — 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.

KBank Platinum Plus

KBank

KBank Shopee Credit Card

KBank

Your adjusted comparison

Feature
KBank Platinum Plus credit card

KBank Platinum Plus

KBank

KBank Shopee Credit Card

KBank Shopee Credit Card

KBank

Fees & eligibility
Annual fee฿1,250Lifetime free
Fee waiver thresholdWaived at ฿20,000/yr spendLifetime free
Min income฿35,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿1,950/yr฿2,670/yr
Online shopping—฿1,500 × 5% = ฿75/mo (฿900/yr) · issuer max ฿1,000/mo
Top reward rate1 point per ฿25Up to 5% cashback
Primary reward capNo monthly cap published฿1,000 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~฿4,350/yr combined NAV (฿1,680 vs best solo). Both annual fees apply.

KBank Platinum Plus details →KBank Shopee Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank Shopee Credit Card leads KBank Platinum Plus by about ฿720/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

KBank Platinum Plus vs KBank Shopee Credit Card comparison table
FeatureKBank Platinum Plus

KBank

KBank Shopee Credit Card

KBank

Fees & eligibility
Annual fee฿1,250Lifetime free
Fee waiver thresholdWaived at ฿20,000/yr spendLifetime free
Min income฿35,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿1,950/yr฿2,670/yr
Online shopping—฿1,500 × 5% = ฿75/mo (฿900/yr) · issuer max ฿1,000/mo
Top reward rate1 point per ฿25Up to 5% cashback
Primary reward capNo monthly cap published฿1,000 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
KBank Shopee Credit Card has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
KBank Shopee Credit Card leads with an estimated ฿2,670/yr net annual value on moderate spend.
Which card has the lower income requirement?
KBank Shopee 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.

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