Side-by-side · honest numbers
KBank X vs UOB PRIVI Miles
Honest side-by-side comparison of KBank X, UOB PRIVI Miles — 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
KBank X
KBank
UOB PRIVI Miles
UOB
Your adjusted comparison
| Feature | KBank X KBank | UOB PRIVI Miles UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿599 | ฿2,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿15,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿6,991/yr | -฿1,914/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 → 40 pts/mo × ฿0.35/pt = ฿14/mo (฿168/yr) |
| Top reward rate | Up to 10% | Boosted UOB Rewards (modeled 2X) |
| Primary reward cap | ฿1,000 rewards/mo cap | No monthly cap published |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | ฿500 | — |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/th/en/compare/kbank-x-vs-uob-privi-miles-thReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, KBank X leads UOB PRIVI Miles by about ฿8,905/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 | UOB PRIVI Miles UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿599 | ฿2,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿15,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿6,991/yr | -฿1,914/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 → 40 pts/mo × ฿0.35/pt = ฿14/mo (฿168/yr) |
| Top reward rate | Up to 10% | Boosted UOB Rewards (modeled 2X) |
| Primary reward cap | ฿1,000 rewards/mo cap | No monthly cap published |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · 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.
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