Which card has the lower annual fee?

KBank X has the lowest annual fee at ฿599.

Which card earns more on moderate spend?

KBank X leads with an estimated ฿7,491/yr net annual value on moderate spend.

Which card has the lower income requirement?

KBank X 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 World Rewards Mastercard vs KBank X vs Krungsri Lady

Honest side-by-side comparison of KBank World Rewards Mastercard, KBank X, Krungsri Lady — 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, KBank X ranks first for estimated net annual value — ahead of Krungsri Lady by about ฿5,031/yr.

KBank World Rewards Mastercard vs KBank X vs Krungsri Lady comparison table
Feature	KBank World Rewards Mastercard KBank	KBank X KBank	Krungsri Lady Krungsri
Fees & eligibility
Annual fee	฿2,500	฿599	฿990
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿30,000/mo	฿15,000/mo	฿18,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	฿920/yr	฿7,491/yr	฿2,460/yr
Online shopping	—	5% cashback → ฿250/mo (฿3,000/yr)	3% cashback → ฿150/mo (฿1,800/yr)
Dining & delivery	—	10% cashback → ฿300/mo (฿3,600/yr)	5% cashback → ฿150/mo (฿1,800/yr)
Top reward rate	3%	Up to 10%	5%
Primary reward cap	฿5,000 rewards/mo cap	฿1,000 rewards/mo cap	฿1,000 rewards/mo cap
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	฿500	฿300

Frequently asked questions

Which card has the lower annual fee?: KBank X has the lowest annual fee at ฿599.
Which card earns more on moderate spend?: KBank X leads with an estimated ฿7,491/yr net annual value on moderate spend.
Which card has the lower income requirement?: KBank X 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

Change spend profile or swap cards — results update live below.

Card 1

KBank World Rewards Mastercard

KBank

Card 2

KBank X

KBank

Card 3

Krungsri Lady

Krungsri

Your adjusted comparison

Feature	KBankPlatinum KBank World Rewards Mastercard •••• •••• •••• 4242 Quick facts KBank World Rewards Mastercard Top reward3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back KBank World Rewards Mastercard KBank	KBankGold KBank X •••• •••• •••• 4242 Quick facts KBank X Top rewardUp to 10% Annual fee฿599 Min income฿15,000/mo Tap to flip back KBank X KBank	KrungsriGold Krungsri Lady •••• •••• •••• 4242 Quick facts Krungsri Lady Top reward5% Annual fee฿990 Min income฿18,000/mo Tap to flip back Krungsri Lady Krungsri
Fees & eligibility
Annual fee	฿2,500	฿599	฿990
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿30,000/mo	฿15,000/mo	฿18,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	฿920/yr	฿7,491/yr	฿2,460/yr
Online shopping	—	5% cashback → ฿250/mo (฿3,000/yr)	3% cashback → ฿150/mo (฿1,800/yr)
Dining & delivery	—	10% cashback → ฿300/mo (฿3,600/yr)	5% cashback → ฿150/mo (฿1,800/yr)
Top reward rate	3%	Up to 10%	5%
Primary reward cap	฿5,000 rewards/mo cap	฿1,000 rewards/mo cap	฿1,000 rewards/mo cap
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	฿500	฿300

KBank World Rewards Mastercard details →KBank X details →Krungsri Lady details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank World Rewards Mastercard comparisons