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?

Standard Chartered Journey leads with an estimated -฿1,010/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.

Side-by-side · honest numbers

KBank UnionPay Platinum vs Standard Chartered Journey

Honest side-by-side comparison of KBank UnionPay Platinum, Standard Chartered Journey — 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 UnionPay Platinum

KBank

Card 2

Standard Chartered Journey

Standard Chartered

Your adjusted comparison

Feature	KBank UnionPay Platinum KBank	Standard Chartered Journey Standard Chartered
Fees & eligibility
Annual fee	฿2,999	฿3,500
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿3,191/yr	-฿1,010/yr
Travel	—	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate	Boosted K Point (modeled 2X)	3%
Primary reward cap	No monthly cap published	฿5,000 eligible spend/mo
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 UnionPay Platinum details →Standard Chartered Journey details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Standard Chartered Journey leads KBank UnionPay Platinum by about ฿2,181/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 UnionPay Platinum vs Standard Chartered Journey comparison table
Feature	KBank UnionPay Platinum KBank	Standard Chartered Journey Standard Chartered
Fees & eligibility
Annual fee	฿2,999	฿3,500
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿3,191/yr	-฿1,010/yr
Travel	—	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate	Boosted K Point (modeled 2X)	3%
Primary reward cap	No monthly cap published	฿5,000 eligible spend/mo
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?: Standard Chartered Journey leads with an estimated -฿1,010/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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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