Side-by-side · honest numbers
KBank Taurus vs Krungthai Papaya vs SCB K-Spect
Honest side-by-side comparison of KBank Taurus, Krungthai Papaya, SCB K-Spect — 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, SCB K-Spect ranks first for estimated net annual value — ahead of KBank Taurus by about ฿1,340/yr.
| Feature | KBank Taurus KBank | Krungthai Papaya Krungthai | SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿699 | ฿0 | ฿799 |
| Min income (monthly) | ฿18,000 | ฿12,000 | ฿15,000 |
| Top reward rate | 5% | 1% cashback | Up to 5% |
| Net annual value (moderate spend) | ฿2,211/yr | ฿1,570/yr | ฿3,551/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ฿100 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Papaya lists a minimum monthly income of ฿12,000.
- 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
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | KBankGold KBank Taurus •••• •••• •••• 4242 Quick facts KBank Taurus Top reward5% Annual fee฿699 Min income฿18,000/mo Tap to flip back KBank Taurus 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 | SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿699 | ฿0 | ฿799 |
| Min income | ฿18,000 | ฿12,000 | ฿15,000 |
| Top reward rate | 5% | 1% cashback | Up to 5% |
| Net value (moderate) | ฿2,211/yr | ฿1,570/yr | ฿3,551/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ฿100 | — |
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