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 Lady leads with an estimated ฿2,460/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungsri Lady lists a minimum monthly income of ฿18,000.

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 Lady vs Standard Chartered Journey

Honest side-by-side comparison of KBank Secured Card, Krungsri Lady, Standard Chartered Journey — 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 KBank Secured Card by about ฿1,710/yr.

KBank Secured Card vs Krungsri Lady vs Standard Chartered Journey comparison table
Feature	KBank Secured Card KBank	Krungsri Lady Krungsri	Standard Chartered Journey Standard Chartered
Annual fee	฿0	฿990	฿3,500
Min income (monthly)	Not stated	฿18,000	฿30,000
Top reward rate	0.5% cashback	5%	3%
Net annual value (moderate spend)	฿750/yr	฿2,460/yr	-฿380/yr
Secured / FD-backed	Yes	No	No
Signup bonus	—	฿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 Lady leads with an estimated ฿2,460/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungsri Lady lists a minimum monthly income of ฿18,000.
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 Lady •••• •••• •••• 4242 Quick facts Krungsri Lady Top reward5% Annual fee฿990 Min income฿18,000/mo Tap to flip back Krungsri Lady Krungsri	Standard CharteredPlatinum Standard Chartered Journey •••• •••• •••• 4242 Quick facts Standard Chartered Journey Top reward3% Annual fee฿3,500 Min income฿30,000/mo Tap to flip back Standard Chartered Journey Standard Chartered
Annual fee	฿0	฿990	฿3,500
Min income	Not stated	฿18,000	฿30,000
Top reward rate	0.5% cashback	5%	3%
Net value (moderate)	฿750/yr	฿2,460/yr	-฿380/yr
Secured / no bureau	FD-backed	Standard	Standard
Signup bonus	—	฿300	—

KBank Secured Card details →Krungsri Lady details →Standard Chartered Journey details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Secured Card comparisons