Which card has the lower annual fee?

KTC Visa Signature has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

KTC Visa Signature leads with an estimated -฿20/yr net annual value on moderate spend.

Which card has the lower income requirement?

KTC Visa Signature lists a minimum monthly income of ฿50,000.

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 THE PASSION vs KTC Visa Signature

Honest side-by-side comparison of KBank THE PASSION, KTC Visa Signature — 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 THE PASSION

KBank

Card 2

KTC Visa Signature

KTC

Your adjusted comparison

Feature	KBank THE PASSION KBank	KTC Visa Signature KTC
Fees & eligibility
Annual fee	฿3,999	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	฿70,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿4,033/yr	-฿20/yr
Travel	฿3,000 → 60 pts/mo × ฿0.20/pt = ฿12/mo (฿144/yr)	—
Top reward rate	Up to 3X K Point	2X KTC Forever (modeled)
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.

KBank THE PASSION details →KTC Visa Signature details →

Share this comparison

https://cardhungry.com/th/en/compare/kbank-the-passion-vs-ktc-visa-signature

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KTC Visa Signature leads KBank THE PASSION by about ฿4,013/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 THE PASSION vs KTC Visa Signature comparison table
Feature	KBank THE PASSION KBank	KTC Visa Signature KTC
Fees & eligibility
Annual fee	฿3,999	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	฿70,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿4,033/yr	-฿20/yr
Travel	฿3,000 → 60 pts/mo × ฿0.20/pt = ฿12/mo (฿144/yr)	—
Top reward rate	Up to 3X K Point	2X KTC Forever (modeled)
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?: KTC Visa Signature has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: KTC Visa Signature leads with an estimated -฿20/yr net annual value on moderate spend.
Which card has the lower income requirement?: KTC Visa Signature lists a minimum monthly income of ฿50,000.
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

More KBank THE PASSION comparisons