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?

Krungthai Papaya leads with an estimated ฿1,570/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungthai Papaya lists a minimum monthly income of ฿12,000.

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 Krungthai Papaya vs SCB FIRST

Honest side-by-side comparison of KBank Secured Card, Krungthai Papaya, SCB FIRST — 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, Krungthai Papaya ranks first for estimated net annual value — ahead of KBank Secured Card by about ฿820/yr.

KBank Secured Card vs Krungthai Papaya vs SCB FIRST comparison table
Feature	KBank Secured Card KBank	Krungthai Papaya Krungthai	SCB FIRST SCB
Annual fee	฿0	฿0	฿3,999
Min income (monthly)	Not stated	฿12,000	฿50,000
Top reward rate	0.5% cashback	1% cashback	3% cashback
Net annual value (moderate spend)	฿750/yr	฿1,570/yr	฿501/yr
Secured / FD-backed	Yes	No	No
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?: Krungthai Papaya leads with an estimated ฿1,570/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungthai Papaya lists a minimum monthly income of ฿12,000.
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	KrungthaiGold Krungthai Papaya •••• •••• •••• 4242 Quick facts Krungthai Papaya Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungthai Papaya Krungthai	SCBPlatinum SCB FIRST •••• •••• •••• 4242 Quick facts SCB FIRST Top reward3% cashback Annual fee฿3,999 Min income฿50,000/mo Tap to flip back SCB FIRST SCB
Annual fee	฿0	฿0	฿3,999
Min income	Not stated	฿12,000	฿50,000
Top reward rate	0.5% cashback	1% cashback	3% cashback
Net value (moderate)	฿750/yr	฿1,570/yr	฿501/yr
Secured / no bureau	FD-backed	Standard	Standard
Signup bonus	—	฿100	—

KBank Secured Card details →Krungthai Papaya details →SCB FIRST details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Secured Card comparisons