CardHungry

Side-by-side · honest numbers

KBank X vs ttb absolute

Honest side-by-side comparison of KBank X, ttb absolute — 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

ttb absolute

ttb

Your adjusted comparison

Feature
KBank X credit card

KBank X

KBank

ttb absolute credit card

ttb absolute

ttb

Fees & eligibility
Annual fee฿599฿3,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿15,000/mo฿35,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿6,991/yr-฿1,010/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—
Travel—฿3,000 × 2.5% = ฿75/mo (฿900/yr) · issuer max ฿4,000/mo
Top reward rateUp to 10%2.5%
Primary reward cap฿1,000 rewards/mo cap฿4,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿500—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

KBank X details →ttb absolute details →

Share this comparison

https://cardhungry.com/th/en/compare/kbank-x-vs-ttb-absolute

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank X leads ttb absolute by about ฿8,001/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

KBank X vs ttb absolute comparison table
FeatureKBank X

KBank

ttb absolute

ttb

Fees & eligibility
Annual fee฿599฿3,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿15,000/mo฿35,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿6,991/yr-฿1,010/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—
Travel—฿3,000 × 2.5% = ฿75/mo (฿900/yr) · issuer max ฿4,000/mo
Top reward rateUp to 10%2.5%
Primary reward cap฿1,000 rewards/mo cap฿4,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
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 ฿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