Which card has the lower annual fee?

KBank Secured Card has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

Krungsri Cashback leads with an estimated ฿6,251/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungsri Cashback lists a minimum monthly income of ฿15,000.

Which cards are secured (FD-backed)?

KBank Secured Card is secured — useful for thin credit files without a bureau pull at application.

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 Secured Card vs Krungsri Cashback vs Krungsri Lady

Honest side-by-side comparison of KBank Secured Card, Krungsri Cashback, Krungsri Lady — 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 Cashback ranks first for estimated net annual value — ahead of Krungsri Lady by about ฿3,791/yr.

KBank Secured Card vs Krungsri Cashback vs Krungsri Lady comparison table
Feature	KBank Secured Card KBank	Krungsri Cashback Krungsri	Krungsri Lady Krungsri
Annual fee	฿0	฿699	฿990
Min income (monthly)	Not stated	฿15,000	฿18,000
Top reward rate	0.5% cashback	3%	5%
Net annual value (moderate spend)	฿750/yr	฿6,251/yr	฿2,460/yr
Secured / FD-backed	Yes	No	No
Signup bonus	—	฿200	฿300

Frequently asked questions

Which card has the lower annual fee?: KBank Secured Card has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: Krungsri Cashback leads with an estimated ฿6,251/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungsri Cashback lists a minimum monthly income of ฿15,000.
Which cards are secured (FD-backed)?: KBank Secured Card is secured — useful for thin credit files without a bureau pull at application.
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.

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Your adjusted comparison

Feature	KBankClassic KBank Secured Card •••• •••• •••• 4242 Quick facts KBank Secured Card Top reward0.5% cashback Annual feeLifetime Free Tap to flip back KBank Secured Card KBank	KrungsriGold Krungsri Cashback •••• •••• •••• 4242 Quick facts Krungsri Cashback Top reward3% Annual fee฿699 Min income฿15,000/mo Tap to flip back Krungsri Cashback Krungsri	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
Annual fee	฿0	฿699	฿990
Min income	Not stated	฿15,000	฿18,000
Top reward rate	0.5% cashback	3%	5%
Net value (moderate)	฿750/yr	฿6,251/yr	฿2,460/yr
Secured / no bureau	FD-backed	Standard	Standard
Signup bonus	—	฿200	฿300

KBank Secured Card details →Krungsri Cashback details →Krungsri Lady details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Secured Card comparisons