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KBank PLUSTINUM vs KBank X vs Krungsri Cashback

Honest side-by-side comparison of KBank PLUSTINUM, KBank X, Krungsri Cashback — 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

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

KBank PLUSTINUM

KBank

KBank X

KBank

Krungsri Cashback

Krungsri

Your adjusted comparison

Feature
KBank PLUSTINUM credit card

KBank PLUSTINUM

KBank

KBank X credit card

KBank X

KBank

Krungsri Cashback credit card

Krungsri Cashback

Krungsri

Fees & eligibility
Annual fee฿1,999฿599฿699
Fee waiver thresholdNo waiver publishedNo waiver publishedNo waiver published
Min income฿20,000/mo฿15,000/mo฿15,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)-฿2,209/yr฿6,991/yr฿6,006/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo—
Dining & delivery—฿3,000 × 10% = ฿300/mo (฿3,600/yr) · issuer max ฿1,000/mo—
Top reward rate1X K PointUp to 10%3%
Primary reward capNo monthly cap published฿1,000 rewards/mo cap฿2,000 rewards/mo cap
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus—฿500฿200
KBank PLUSTINUM details →KBank X details →Krungsri Cashback details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank X ranks first for estimated net annual value — ahead of Krungsri Cashback by about ฿985/yr.

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 X vs Krungsri Cashback comparison table
FeatureKBank PLUSTINUM

KBank

KBank X

KBank

Krungsri Cashback

Krungsri

Fees & eligibility
Annual fee฿1,999฿599฿699
Fee waiver thresholdNo waiver publishedNo waiver publishedNo waiver published
Min income฿20,000/mo฿15,000/mo฿15,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)-฿2,209/yr฿6,991/yr฿6,006/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo—
Dining & delivery—฿3,000 × 10% = ฿300/mo (฿3,600/yr) · issuer max ฿1,000/mo—
Top reward rate1X K PointUp to 10%3%
Primary reward capNo monthly cap published฿1,000 rewards/mo cap฿2,000 rewards/mo cap
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus—฿500฿200

Frequently asked questions

Which card has the lower annual fee?
KBank X has the lowest annual fee at ฿599.
Which card earns more on moderate spend?
KBank X leads with an estimated ฿6,991/yr net annual value on moderate spend.
Which card has the lower income requirement?
KBank X 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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