Side-by-side · honest numbers
KBank THE PASSION vs KBank UnionPay Platinum
Honest side-by-side comparison of KBank THE PASSION, KBank UnionPay Platinum — 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 THE PASSION
KBank
KBank UnionPay Platinum
KBank
Your adjusted comparison
| Feature | KBank THE PASSION KBank | KBank UnionPay Platinum KBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿3,999 | ฿2,999 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿70,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿4,033/yr | -฿3,191/yr |
| Travel | ฿3,000 → 60 pts/mo × ฿0.20/pt = ฿12/mo (฿144/yr) | — |
| Top reward rate | Up to 3X K Point | Boosted K Point (modeled 2X) |
| Primary reward cap | No monthly cap published | No monthly cap published |
| 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-the-passion-vs-kbank-unionpay-platinumReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, KBank UnionPay Platinum leads KBank THE PASSION by about ฿842/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 THE PASSION KBank | KBank UnionPay Platinum KBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿3,999 | ฿2,999 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿70,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿4,033/yr | -฿3,191/yr |
| Travel | ฿3,000 → 60 pts/mo × ฿0.20/pt = ฿12/mo (฿144/yr) | — |
| Top reward rate | Up to 3X K Point | Boosted K Point (modeled 2X) |
| Primary reward cap | No monthly cap published | No monthly cap published |
| 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 UnionPay Platinum has the lowest annual fee at ฿2,999.
- Which card earns more on moderate spend?
- KBank UnionPay Platinum leads with an estimated -฿3,191/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- KBank UnionPay Platinum lists a minimum monthly income of ฿30,000.
- 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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