Which card has the lower annual fee?

Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

Krungthai Papaya leads with an estimated ฿1,570/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungthai Papaya lists a minimum monthly income of ฿12,000.

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 Platinum Plus vs Krungsri AIA Visa Platinum vs Krungthai Papaya

Honest side-by-side comparison of KBank Platinum Plus, Krungsri AIA Visa Platinum, Krungthai Papaya — 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 Papaya ranks first for estimated net annual value — ahead of KBank Platinum Plus by about ฿1,539/yr.

KBank Platinum Plus vs Krungsri AIA Visa Platinum vs Krungthai Papaya comparison table
Feature	KBank Platinum Plus KBank	Krungsri AIA Visa Platinum Krungsri	Krungthai Papaya Krungthai
Annual fee	฿2,999	฿3,500	฿0
Min income (monthly)	฿35,000	฿30,000	฿12,000
Top reward rate	3%	2 pts/฿150	1% cashback
Net annual value (moderate spend)	฿31/yr	-฿3,632/yr	฿1,570/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	฿100

Frequently asked questions

Which card has the lower annual fee?: Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: Krungthai Papaya leads with an estimated ฿1,570/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungthai Papaya lists a minimum monthly income of ฿12,000.
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 Platinum Plus •••• •••• •••• 4242 Quick facts KBank Platinum Plus Top reward3% Annual fee฿2,999 Min income฿35,000/mo Tap to flip back KBank Platinum Plus KBank	KrungsriPlatinum Krungsri AIA Visa Platinum •••• •••• •••• 4242 Quick facts Krungsri AIA Visa Platinum Top reward2 pts/฿150 Annual fee฿3,500 Min income฿30,000/mo Tap to flip back Krungsri AIA Visa Platinum Krungsri	KrungthaiGold Krungthai Papaya •••• •••• •••• 4242 Quick facts Krungthai Papaya Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungthai Papaya Krungthai
Annual fee	฿2,999	฿3,500	฿0
Min income	฿35,000	฿30,000	฿12,000
Top reward rate	3%	2 pts/฿150	1% cashback
Net value (moderate)	฿31/yr	-฿3,632/yr	฿1,570/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	฿100

KBank Platinum Plus details →Krungsri AIA Visa Platinum details →Krungthai Papaya details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Platinum Plus comparisons