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.

Side-by-side · honest numbers

KBank Secured Card vs Krungthai Pearl Credit Card vs SCB Private Banking Infinite

Honest side-by-side comparison of KBank Secured Card, Krungthai Pearl Credit Card, SCB Private Banking Infinite — 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 Pearl Credit Card ranks first for estimated net annual value — ahead of KBank Secured Card by about ฿180/yr.

KBank Secured Card vs Krungthai Pearl Credit Card vs SCB Private Banking Infinite comparison table
Feature	KBank Secured Card KBank	Krungthai Pearl Credit Card Krungthai	SCB Private Banking Infinite SCB
Annual fee	฿0	฿1,200	฿20,000
Min income (monthly)	Not stated	฿15,000	฿150,000
Top reward rate	0.5% cashback	2%	5%
Net annual value (moderate spend)	฿750/yr	฿930/yr	-฿13,700/yr
Secured / FD-backed	Yes	No	No
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.

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 Pearl Credit Card •••• •••• •••• 4242 Quick facts Krungthai Pearl Credit Card Top reward2% Annual fee฿1,200 Min income฿15,000/mo Tap to flip back Krungthai Pearl Credit Card Krungthai	SCBMetal SCB Private Banking Infinite •••• •••• •••• 4242 Quick facts SCB Private Banking Infinite Top reward5% Annual fee฿20,000 Min income฿150,000/mo Tap to flip back SCB Private Banking Infinite SCB
Annual fee	฿0	฿1,200	฿20,000
Min income	Not stated	฿15,000	฿150,000
Top reward rate	0.5% cashback	2%	5%
Net value (moderate)	฿750/yr	฿930/yr	-฿13,700/yr
Secured / no bureau	FD-backed	Standard	Standard
Signup bonus	—	—	—

KBank Secured Card details →Krungthai Pearl Credit Card details →SCB Private Banking Infinite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Secured Card comparisons