Side-by-side · honest numbers
KBank X vs Krungsri Cashback
Honest side-by-side comparison of KBank X, Krungsri Cashback — 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.
KBank X
KBank
Krungsri Cashback
Krungsri
Your adjusted comparison
| Feature | KBank X KBank | Krungsri Cashback Krungsri |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿599 | ฿699 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿15,000/mo | ฿15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿6,991/yr | ฿6,006/yr |
| Online shopping | ฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo | — |
| Dining & delivery | ฿3,000 × 10% = ฿300/mo (฿3,600/yr) · issuer max ฿1,000/mo | — |
| Top reward rate | Up to 10% | 3% |
| Primary reward cap | ฿1,000 rewards/mo cap | ฿2,000 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | ฿500 | ฿200 |
Stack mode (hold both)
Cap-aware split: ~฿9,150/yr combined NAV (฿2,159 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/th/en/compare/kbank-x-vs-krungsri-cashbackReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, KBank X leads Krungsri Cashback by about ฿985/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 | KBank X KBank | Krungsri Cashback Krungsri |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿599 | ฿699 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿15,000/mo | ฿15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿6,991/yr | ฿6,006/yr |
| Online shopping | ฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo | — |
| Dining & delivery | ฿3,000 × 10% = ฿300/mo (฿3,600/yr) · issuer max ฿1,000/mo | — |
| Top reward rate | Up to 10% | 3% |
| Primary reward cap | ฿1,000 rewards/mo cap | ฿2,000 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | ฿500 | ฿200 |
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 ฿6,991/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.
More KBank X comparisons
- KBank X vs BBL Platinum Leader
- KBank X vs Bangkok Bank Be Smart
- KBank X vs Bangkok Bank M PRESTIGE
- KBank X vs Bangkok Bank Platinum
- KBank X vs CardX UP2ME Mastercard
- KBank X vs Citi PremierMiles
- KBank X vs Citibank Rewards
- KBank X vs HSBC Advance Credit Card
- KBank X vs HSBC Premier World Mastercard
- KBank X vs KBank Blue Credit Card
- KBank X vs KBank Platinum Plus
- KBank X vs KBank Prestige