Which card has the lower annual fee?

KBank Shopee Credit Card has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

KBank Shopee Credit Card leads with an estimated ฿4,350/yr net annual value on moderate spend.

Which card has the lower income requirement?

KBank Shopee Credit Card lists a minimum monthly income of ฿15,000.

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 Shopee Credit Card vs SCB M LIFESTYLE

Honest side-by-side comparison of KBank Shopee Credit Card, SCB M LIFESTYLE — 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 Shopee Credit Card

KBank

Card 2

SCB M LIFESTYLE

SCB

Your adjusted comparison

Feature	KBank Shopee Credit Card KBank	SCB M LIFESTYLE SCB
Fees & eligibility
Annual fee	Lifetime free	฿999
Fee waiver threshold	Lifetime free	No waiver published
Min income	฿15,000/mo	฿20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿4,350/yr	฿3,591/yr
Online shopping	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo	฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Dining & delivery	—	฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿1,500/mo
Top reward rate	Up to 5% cashback	Up to 5%
Primary reward cap	฿1,000 rewards/mo cap	฿1,500 rewards/mo cap
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	฿300

Stack mode (hold both)

Cap-aware split: ~฿4,791/yr combined NAV (฿441 vs best solo). Both annual fees apply.

KBank Shopee Credit Card details →SCB M LIFESTYLE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank Shopee Credit Card leads SCB M LIFESTYLE by about ฿759/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 Shopee Credit Card vs SCB M LIFESTYLE comparison table
Feature	KBank Shopee Credit Card KBank	SCB M LIFESTYLE SCB
Fees & eligibility
Annual fee	Lifetime free	฿999
Fee waiver threshold	Lifetime free	No waiver published
Min income	฿15,000/mo	฿20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿4,350/yr	฿3,591/yr
Online shopping	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo	฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Dining & delivery	—	฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿1,500/mo
Top reward rate	Up to 5% cashback	Up to 5%
Primary reward cap	฿1,000 rewards/mo cap	฿1,500 rewards/mo cap
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	฿300

Frequently asked questions

Which card has the lower annual fee?: KBank Shopee Credit Card has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: KBank Shopee Credit Card leads with an estimated ฿4,350/yr net annual value on moderate spend.
Which card has the lower income requirement?: KBank Shopee Credit Card lists a minimum monthly income of ฿15,000.
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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