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 ฿4,350/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.

Side-by-side · honest numbers

KBank PLUSTINUM vs KBank Shopee Credit Card

Honest side-by-side comparison of KBank PLUSTINUM, 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.

Card 1

KBank PLUSTINUM

KBank

Card 2

KBank Shopee Credit Card

KBank

Your adjusted comparison

Feature	KBank PLUSTINUM KBank	KBank Shopee Credit Card KBank
Fees & eligibility
Annual fee	฿1,999	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	฿20,000/mo	฿15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,209/yr	฿4,350/yr
Online shopping	—	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo
Top reward rate	1X K Point	Up to 5% cashback
Primary reward cap	No monthly cap published	฿1,000 rewards/mo cap
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.

KBank PLUSTINUM 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 PLUSTINUM by about ฿6,559/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 PLUSTINUM vs KBank Shopee Credit Card comparison table
Feature	KBank PLUSTINUM KBank	KBank Shopee Credit Card KBank
Fees & eligibility
Annual fee	฿1,999	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	฿20,000/mo	฿15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,209/yr	฿4,350/yr
Online shopping	—	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo
Top reward rate	1X K Point	Up to 5% cashback
Primary reward cap	No monthly cap published	฿1,000 rewards/mo cap
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?: 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 ฿4,350/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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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