Side-by-side · honest numbers
KBank X vs SCB Ultra Platinum vs UOB ONE Card (Thailand)
Honest side-by-side comparison of KBank X, SCB Ultra Platinum, UOB ONE Card (Thailand) — 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 UOB ONE Card (Thailand) by about ฿7,321/yr.
| Feature | KBank X KBank | SCB Ultra Platinum SCB | UOB ONE Card (Thailand) UOB |
|---|---|---|---|
| Annual fee | ฿599 | ฿6,999 | ฿2,500 |
| Min income (monthly) | ฿15,000 | ฿80,000 | ฿30,000 |
| Top reward rate | Up to 10% | 4% | Up to 3% |
| Net annual value (moderate spend) | ฿7,491/yr | -฿1,089/yr | ฿170/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ฿500 | — | — |
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.
Customize your spend
Change spend profile or swap cards — results update live below.
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 | SCBPlatinum SCB Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB | UOBGold UOB ONE Card (Thailand) •••• •••• •••• 4242 Quick facts UOB ONE Card (Thailand) Top rewardUp to 3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back UOB ONE Card (Thailand) UOB |
|---|---|---|---|
| Annual fee | ฿599 | ฿6,999 | ฿2,500 |
| Min income | ฿15,000 | ฿80,000 | ฿30,000 |
| Top reward rate | Up to 10% | 4% | Up to 3% |
| Net value (moderate) | ฿7,491/yr | -฿1,089/yr | ฿170/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿500 | — | — |
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 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 Makro Platinum
- KBank X vs KBank Platinum Plus
- KBank X vs KBank Prestige
- KBank X vs KBank Rabbit LINE Pay