Side-by-side · honest numbers
KBank Rabbit LINE Pay vs Krungsri Simple vs SCB K-Spect
Honest side-by-side comparison of KBank Rabbit LINE Pay, Krungsri Simple, SCB K-Spect — 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, KBank Rabbit LINE Pay ranks first for estimated net annual value — ahead of SCB K-Spect by about ฿500/yr.
| Feature | KBank Rabbit LINE Pay KBank | Krungsri Simple Krungsri | SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿499 | ฿0 | ฿799 |
| Min income (monthly) | ฿15,000 | ฿12,000 | ฿15,000 |
| Top reward rate | Up to 5% | 1% cashback | Up to 5% |
| Net annual value (moderate spend) | ฿4,051/yr | ฿750/yr | ฿3,551/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ฿200 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Krungsri Simple has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- KBank Rabbit LINE Pay leads with an estimated ฿4,051/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungsri Simple 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.
Your adjusted comparison
| Feature | KBankGold KBank Rabbit LINE Pay •••• •••• •••• 4242 Quick facts KBank Rabbit LINE Pay Top rewardUp to 5% Annual fee฿499 Min income฿15,000/mo Tap to flip back KBank Rabbit LINE Pay KBank | KrungsriClassic Krungsri Simple •••• •••• •••• 4242 Quick facts Krungsri Simple Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungsri Simple Krungsri | SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿499 | ฿0 | ฿799 |
| Min income | ฿15,000 | ฿12,000 | ฿15,000 |
| Top reward rate | Up to 5% | 1% cashback | Up to 5% |
| Net value (moderate) | ฿4,051/yr | ฿750/yr | ฿3,551/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿200 | — | — |
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