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?

Krungsri Lady leads with an estimated ฿2,460/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 Lady vs Krungthai Papaya

Honest side-by-side comparison of KBank Platinum Plus, Krungsri Lady, 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, Krungsri Lady ranks first for estimated net annual value — ahead of Krungthai Papaya by about ฿890/yr.

KBank Platinum Plus vs Krungsri Lady vs Krungthai Papaya comparison table
Feature	KBank Platinum Plus KBank	Krungsri Lady Krungsri	Krungthai Papaya Krungthai
Annual fee	฿2,999	฿990	฿0
Min income (monthly)	฿35,000	฿18,000	฿12,000
Top reward rate	3%	5%	1% cashback
Net annual value (moderate spend)	฿31/yr	฿2,460/yr	฿1,570/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿300	฿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?: Krungsri Lady leads with an estimated ฿2,460/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.

Card 1

Card 2

Card 3

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	KrungsriGold Krungsri Lady •••• •••• •••• 4242 Quick facts Krungsri Lady Top reward5% Annual fee฿990 Min income฿18,000/mo Tap to flip back Krungsri Lady 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	฿990	฿0
Min income	฿35,000	฿18,000	฿12,000
Top reward rate	3%	5%	1% cashback
Net value (moderate)	฿31/yr	฿2,460/yr	฿1,570/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿300	฿100

KBank Platinum Plus details →Krungsri Lady details →Krungthai Papaya details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Platinum Plus comparisons