Side-by-side · honest numbers
KBank Platinum Plus vs Krungsri HP Platinum vs SCB Ultra Platinum
Honest side-by-side comparison of KBank Platinum Plus, Krungsri HP Platinum, SCB Ultra Platinum — 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, Krungsri HP Platinum ranks first for estimated net annual value — ahead of KBank Platinum Plus by about ฿889/yr.
| Feature | KBank Platinum Plus KBank | Krungsri HP Platinum Krungsri | SCB Ultra Platinum SCB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿2,999 | ฿1,990 | ฿6,999 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ฿35,000/mo | ฿25,000/mo | ฿80,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -฿329/yr | ฿560/yr | -฿1,929/yr |
| Online shopping | — | 5% cashback → ฿100/mo (฿1,200/yr) (cap hit) | — |
| Travel | 3% cashback → ฿90/mo (฿1,080/yr) | — | 4% cashback → ฿120/mo (฿1,440/yr) |
| Top reward rate | 3% | 5% | 4% |
| Primary reward cap | ฿3,000 eligible spend/mo | ฿2,000 eligible spend/mo | ฿10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold | None | Unlimited lounge access at select airports · No minimum spend required for lounge access |
| 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 ฿560/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
Change spend profile or swap cards — results update live below.
KBank Platinum Plus
KBank
Krungsri HP Platinum
Krungsri
SCB Ultra Platinum
SCB
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 HP Platinum •••• •••• •••• 4242 Quick facts Krungsri HP Platinum Top reward5% Annual fee฿1,990 Min income฿25,000/mo Tap to flip back Krungsri HP Platinum Krungsri | SCBPlatinum SCB Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿2,999 | ฿1,990 | ฿6,999 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ฿35,000/mo | ฿25,000/mo | ฿80,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -฿329/yr | ฿560/yr | -฿1,929/yr |
| Online shopping | — | 5% cashback → ฿100/mo (฿1,200/yr) (cap hit) | — |
| Travel | 3% cashback → ฿90/mo (฿1,080/yr) | — | 4% cashback → ฿120/mo (฿1,440/yr) |
| Top reward rate | 3% | 5% | 4% |
| Primary reward cap | ฿3,000 eligible spend/mo | ฿2,000 eligible spend/mo | ฿10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold | None | Unlimited lounge access at select airports · No minimum spend required for lounge access |
| 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 | — | — | — |
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https://cardhungry.com/th/en/compare/kbank-platinum-plus-vs-krungsri-hp-platinum-vs-scb-ultra-platinumMore KBank Platinum Plus comparisons
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