Which card has the lower annual fee?

CardX MY TRAVEL has the lowest annual fee at ฿3,000.

Which card earns more on moderate spend?

CardX MY TRAVEL leads with an estimated -฿570/yr net annual value on moderate spend.

Which card has the lower income requirement?

CardX MY TRAVEL lists a minimum monthly income of ฿25,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Krungsri AIA Visa Platinum vs CardX MY TRAVEL

Honest side-by-side comparison of Krungsri AIA Visa Platinum, CardX MY TRAVEL — 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.

Card 1

Krungsri AIA Visa Platinum

Krungsri

Card 2

CardX MY TRAVEL

CardX

Your adjusted comparison

Feature	Krungsri AIA Visa Platinum Krungsri	CardX MY TRAVEL CardX
Fees & eligibility
Annual fee	฿3,500	฿3,000
Fee waiver threshold	No waiver published	฿300,000/yr
Min income	฿30,000/mo	฿25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,339/yr	-฿570/yr
Travel	฿3,000 → 240 pts/mo × ฿0.15/pt = ฿36/mo (฿432/yr)	—
Top reward rate	2 pts/฿25	1 PointX per ฿25
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	None
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · 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.

Krungsri AIA Visa Platinum details →CardX MY TRAVEL details →

Share this comparison

https://cardhungry.com/th/en/compare/krungsri-aia-vs-scb-miles

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, CardX MY TRAVEL leads Krungsri AIA Visa Platinum by about ฿1,769/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

Krungsri AIA Visa Platinum vs CardX MY TRAVEL comparison table
Feature	Krungsri AIA Visa Platinum Krungsri	CardX MY TRAVEL CardX
Fees & eligibility
Annual fee	฿3,500	฿3,000
Fee waiver threshold	No waiver published	฿300,000/yr
Min income	฿30,000/mo	฿25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,339/yr	-฿570/yr
Travel	฿3,000 → 240 pts/mo × ฿0.15/pt = ฿36/mo (฿432/yr)	—
Top reward rate	2 pts/฿25	1 PointX per ฿25
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	None
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?: CardX MY TRAVEL has the lowest annual fee at ฿3,000.
Which card earns more on moderate spend?: CardX MY TRAVEL leads with an estimated -฿570/yr net annual value on moderate spend.
Which card has the lower income requirement?: CardX MY TRAVEL lists a minimum monthly income of ฿25,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More Krungsri AIA Visa Platinum comparisons