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?

KBank Secured Card leads with an estimated ฿750/yr net annual value on moderate spend.

Which card has the lower income requirement?

ttb reserve infinite lists a minimum monthly income of ฿100,000.

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 ttb reserve infinite

Honest side-by-side comparison of KBank Secured Card, ttb reserve infinite — 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.

Card 1

KBank Secured Card

KBank

Card 2

ttb reserve infinite

ttb

Your adjusted comparison

Feature	KBank Secured Card KBank	ttb reserve infinite ttb
Fees & eligibility
Annual fee	Lifetime free	฿16,900
Fee waiver threshold	Lifetime free	No waiver published
Min income	Not stated	฿100,000/mo
Secured / FD-backed	FD-backed	Standard
Rewards
Net annual value (moderate)	฿750/yr	-฿11,470/yr
Travel	—	฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿15,000/mo
Top reward rate	0.5% cashback	5% cashback
Primary reward cap	No monthly cap published	฿15,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Priority Pass membership with unlimited visits (issuer T&Cs apply) · No minimum spend required for lounge access
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.

KBank Secured Card details →ttb reserve infinite details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank Secured Card leads ttb reserve infinite by about ฿12,220/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

KBank Secured Card vs ttb reserve infinite comparison table
Feature	KBank Secured Card KBank	ttb reserve infinite ttb
Fees & eligibility
Annual fee	Lifetime free	฿16,900
Fee waiver threshold	Lifetime free	No waiver published
Min income	Not stated	฿100,000/mo
Secured / FD-backed	FD-backed	Standard
Rewards
Net annual value (moderate)	฿750/yr	-฿11,470/yr
Travel	—	฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿15,000/mo
Top reward rate	0.5% cashback	5% cashback
Primary reward cap	No monthly cap published	฿15,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Priority Pass membership with unlimited visits (issuer T&Cs apply) · No minimum spend required for lounge access
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?: KBank Secured Card leads with an estimated ฿750/yr net annual value on moderate spend.
Which card has the lower income requirement?: ttb reserve infinite lists a minimum monthly income of ฿100,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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