Side-by-side · honest numbers
KTC World Rewards Mastercard vs Standard Chartered Journey
Honest side-by-side comparison of KTC World Rewards Mastercard, 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.
KTC World Rewards Mastercard
KTC
Standard Chartered Journey
Standard Chartered
Your adjusted comparison
| Feature | KTC World Rewards Mastercard KTC | Standard Chartered Journey Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿2,500 | ฿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) | ฿920/yr | -฿1,010/yr |
| Travel | — | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo |
| Top reward rate | 3% | 3% |
| Primary reward cap | ฿5,000 rewards/mo cap | ฿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.
Share this comparison
https://cardhungry.com/th/en/compare/kbank-world-rewards-vs-sc-journey-thReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, KTC World Rewards Mastercard leads Standard Chartered Journey by about ฿1,930/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
| Feature | KTC World Rewards Mastercard KTC | Standard Chartered Journey Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿2,500 | ฿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) | ฿920/yr | -฿1,010/yr |
| Travel | — | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo |
| Top reward rate | 3% | 3% |
| Primary reward cap | ฿5,000 rewards/mo cap | ฿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?
- KTC World Rewards Mastercard has the lowest annual fee at ฿2,500.
- Which card earns more on moderate spend?
- KTC World Rewards Mastercard leads with an estimated ฿920/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- KTC World Rewards Mastercard 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.
More KTC World Rewards Mastercard comparisons
- KTC World Rewards Mastercard vs BBL Platinum Leader
- KTC World Rewards Mastercard vs Bangkok Bank Be Smart
- KTC World Rewards Mastercard vs Bangkok Bank M PRESTIGE
- KTC World Rewards Mastercard vs Bangkok Bank Platinum
- KTC World Rewards Mastercard vs CardX UP2ME Mastercard
- KTC World Rewards Mastercard vs Citi PremierMiles
- KTC World Rewards Mastercard vs Citibank Rewards
- KTC World Rewards Mastercard vs HSBC Advance Credit Card
- KTC World Rewards Mastercard vs HSBC Premier World Mastercard
- KTC World Rewards Mastercard vs KBank Blue Credit Card
- KTC World Rewards Mastercard vs KBank Platinum Plus
- KTC World Rewards Mastercard vs KBank Prestige