Which card has the lower annual fee?

Krungsri Simple has a ฿0 annual fee (lifetime free or zero-fee tier).

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?

Krungsri Simple lists a minimum monthly income of ฿12,000.

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 Simple vs Krungthai Pearl Credit Card

Honest side-by-side comparison of KBank World Rewards Mastercard, Krungsri Simple, 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 Simple vs Krungthai Pearl Credit Card comparison table
Feature	KBank World Rewards Mastercard KBank	Krungsri Simple Krungsri	Krungthai Pearl Credit Card Krungthai
Annual fee	฿2,500	฿0	฿1,200
Min income (monthly)	฿30,000	฿12,000	฿15,000
Top reward rate	3%	1% cashback	2%
Net annual value (moderate spend)	฿920/yr	฿750/yr	฿930/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: Krungsri Simple has a ฿0 annual fee (lifetime free or zero-fee tier).
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?: Krungsri Simple lists a minimum monthly income of ฿12,000.
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	KrungsriClassic Krungsri Simple •••• •••• •••• 4242 Quick facts Krungsri Simple Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungsri Simple 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	฿0	฿1,200
Min income	฿30,000	฿12,000	฿15,000
Top reward rate	3%	1% cashback	2%
Net value (moderate)	฿920/yr	฿750/yr	฿930/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

KBank World Rewards Mastercard details →Krungsri Simple 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