Side-by-side · honest numbers
KBank X vs Krungsri NOW vs SCB K-Spect
Honest side-by-side comparison of KBank X, Krungsri NOW, SCB K-Spect — 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 SCB K-Spect by about ฿3,940/yr.
| Feature | KBank X KBank | Krungsri NOW Krungsri | SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿599 | ฿599 | ฿799 |
| Min income (monthly) | ฿15,000 | ฿15,000 | ฿15,000 |
| Top reward rate | Up to 10% | 1% cashback | Up to 5% |
| Net annual value (moderate spend) | ฿7,491/yr | ฿2,831/yr | ฿3,551/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ฿500 | ฿100 | — |
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.
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Your adjusted comparison
| Feature | 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 NOW •••• •••• •••• 4242 Quick facts Krungsri NOW Top reward1% cashback Annual fee฿599 Min income฿15,000/mo Tap to flip back Krungsri NOW Krungsri | SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿599 | ฿599 | ฿799 |
| Min income | ฿15,000 | ฿15,000 | ฿15,000 |
| Top reward rate | Up to 10% | 1% cashback | Up to 5% |
| Net value (moderate) | ฿7,491/yr | ฿2,831/yr | ฿3,551/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿500 | ฿100 | — |
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