Side-by-side · honest numbers
KBank Secured Card vs Krungsri NOW
Honest side-by-side comparison of KBank Secured Card, Krungsri NOW — 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.
KBank Secured Card
KBank
Krungsri NOW
Krungsri
Your adjusted comparison
| Feature | KBank Secured Card KBank | Krungsri NOW Krungsri |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ฿599 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | Not stated | ฿15,000/mo |
| Secured / FD-backed | FD-backed | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿750/yr | ฿2,686/yr |
| Online shopping | — | ฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo |
| Utilities & bills | — | ฿1,500 × 2% = ฿30/mo (฿360/yr) |
| Top reward rate | 0.5% cashback | 3% 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 | — | ฿100 |
Stack mode (hold both)
Cap-aware split: ~฿2,709/yr combined NAV (฿23 vs best solo). Both annual fees apply.
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https://cardhungry.com/th/en/compare/kbank-secured-th-vs-krungsri-nowReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Krungsri NOW leads KBank Secured Card by about ฿1,936/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
| Feature | KBank Secured Card KBank | Krungsri NOW Krungsri |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ฿599 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | Not stated | ฿15,000/mo |
| Secured / FD-backed | FD-backed | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿750/yr | ฿2,686/yr |
| Online shopping | — | ฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo |
| Utilities & bills | — | ฿1,500 × 2% = ฿30/mo (฿360/yr) |
| Top reward rate | 0.5% cashback | 3% 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 | — | ฿100 |
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 NOW leads with an estimated ฿2,686/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungsri NOW 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.
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