Which card has the lower annual fee?

Krungsri Lady has the lowest annual fee at ฿990.

Which card earns more on moderate spend?

SCB M LIFESTYLE leads with an estimated ฿3,891/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungsri Lady lists a minimum monthly income of ฿18,000.

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 HP Platinum vs Krungsri Lady vs SCB M LIFESTYLE

Honest side-by-side comparison of Krungsri HP Platinum, Krungsri Lady, SCB M LIFESTYLE — 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, SCB M LIFESTYLE ranks first for estimated net annual value — ahead of Krungsri Lady by about ฿1,431/yr.

Krungsri HP Platinum vs Krungsri Lady vs SCB M LIFESTYLE comparison table
Feature	Krungsri HP Platinum Krungsri	Krungsri Lady Krungsri	SCB M LIFESTYLE SCB
Annual fee	฿1,990	฿990	฿999
Min income (monthly)	฿25,000	฿18,000	฿20,000
Top reward rate	5%	5%	Up to 5%
Net annual value (moderate spend)	฿560/yr	฿2,460/yr	฿3,891/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿300	฿300

Frequently asked questions

Which card has the lower annual fee?: Krungsri Lady has the lowest annual fee at ฿990.
Which card earns more on moderate spend?: SCB M LIFESTYLE leads with an estimated ฿3,891/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungsri Lady lists a minimum monthly income of ฿18,000.
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.

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Your adjusted comparison

Feature	KrungsriPlatinum Krungsri HP Platinum •••• •••• •••• 4242 Quick facts Krungsri HP Platinum Top reward5% Annual fee฿1,990 Min income฿25,000/mo Tap to flip back Krungsri HP Platinum Krungsri	KrungsriGold Krungsri Lady •••• •••• •••• 4242 Quick facts Krungsri Lady Top reward5% Annual fee฿990 Min income฿18,000/mo Tap to flip back Krungsri Lady Krungsri	SCBGold SCB M LIFESTYLE •••• •••• •••• 4242 Quick facts SCB M LIFESTYLE Top rewardUp to 5% Annual fee฿999 Min income฿20,000/mo Tap to flip back SCB M LIFESTYLE SCB
Annual fee	฿1,990	฿990	฿999
Min income	฿25,000	฿18,000	฿20,000
Top reward rate	5%	5%	Up to 5%
Net value (moderate)	฿560/yr	฿2,460/yr	฿3,891/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿300	฿300

Krungsri HP Platinum details →Krungsri Lady details →SCB M LIFESTYLE details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Krungsri HP Platinum comparisons