Side-by-side · honest numbers
KBank Secured Card vs Krungthai Pearl Credit Card
Honest side-by-side comparison of KBank Secured Card, Krungthai Pearl Credit Card — 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
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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
Krungthai Pearl Credit Card
Krungthai
Your adjusted comparison
| Feature | KBank Secured Card KBank | Krungthai Pearl Credit Card Krungthai |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ฿1,200 |
| 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 | ฿930/yr |
| Utilities & bills | — | ฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo |
| Top reward rate | 0.5% cashback | 2% |
| Primary reward cap | No monthly cap published | ฿500 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/th/en/compare/kbank-secured-th-vs-ktb-pearlReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Krungthai Pearl Credit Card leads KBank Secured Card by about ฿180/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 | Krungthai Pearl Credit Card Krungthai |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ฿1,200 |
| 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 | ฿930/yr |
| Utilities & bills | — | ฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo |
| Top reward rate | 0.5% cashback | 2% |
| Primary reward cap | No monthly cap published | ฿500 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | — | — |
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 Pearl Credit Card leads with an estimated ฿930/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Pearl Credit Card 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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