Which card has the lower annual fee?

Krungthai Pearl Credit Card has the lowest annual fee at ฿1,200.

Which card earns more on moderate spend?

Krungthai Pearl Credit Card leads with an estimated ฿930/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungthai Pearl Credit Card 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 Krungsri HP Platinum vs Krungthai Pearl Credit Card

Honest side-by-side comparison of KBank World Rewards Mastercard, Krungsri HP Platinum, Krungthai Pearl Credit Card — 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, Krungthai Pearl Credit Card ranks first for estimated net annual value — ahead of KBank World Rewards Mastercard by about ฿10/yr.

KBank World Rewards Mastercard vs Krungsri HP Platinum vs Krungthai Pearl Credit Card comparison table
Feature	KBank World Rewards Mastercard KBank	Krungsri HP Platinum Krungsri	Krungthai Pearl Credit Card Krungthai
Annual fee	฿2,500	฿1,990	฿1,200
Min income (monthly)	฿30,000	฿25,000	฿15,000
Top reward rate	3%	5%	2%
Net annual value (moderate spend)	฿920/yr	฿560/yr	฿930/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: Krungthai Pearl Credit Card has the lowest annual fee at ฿1,200.
Which card earns more on moderate spend?: Krungthai Pearl Credit Card leads with an estimated ฿930/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungthai Pearl Credit Card 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.

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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	KrungsriPlatinum Krungsri HP Platinum •••• •••• •••• 4242 Quick facts Krungsri HP Platinum Top reward5% Annual fee฿1,990 Min income฿25,000/mo Tap to flip back Krungsri HP Platinum Krungsri	KrungthaiGold Krungthai Pearl Credit Card •••• •••• •••• 4242 Quick facts Krungthai Pearl Credit Card Top reward2% Annual fee฿1,200 Min income฿15,000/mo Tap to flip back Krungthai Pearl Credit Card Krungthai
Annual fee	฿2,500	฿1,990	฿1,200
Min income	฿30,000	฿25,000	฿15,000
Top reward rate	3%	5%	2%
Net value (moderate)	฿920/yr	฿560/yr	฿930/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

KBank World Rewards Mastercard details →Krungsri HP Platinum details →Krungthai Pearl Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank World Rewards Mastercard comparisons