Which card has the lower annual fee?

Krungsri Visa Platinum has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

Krungsri Visa Platinum leads with an estimated ฿705/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungsri Visa Platinum lists a minimum monthly income of ฿12,000.

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 Visa Platinum

Honest side-by-side comparison of Krungsri HP Platinum, Krungsri Visa Platinum — 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 HP Platinum

Krungsri

Card 2

Krungsri Visa Platinum

Krungsri

Your adjusted comparison

Feature	Krungsri HP Platinum Krungsri	Krungsri Visa Platinum Krungsri
Fees & eligibility
Annual fee	฿1,990	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	฿25,000/mo	฿12,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿515/yr	฿705/yr
Online shopping	฿2,000 × 5% = ฿100/mo (฿1,200/yr) · cap reached	—
Top reward rate	5%	0.5% cashback
Primary reward cap	฿2,000 eligible spend/mo	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	—	—

Stack mode (hold both)

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

Krungsri HP Platinum details →Krungsri Visa Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungsri Visa Platinum leads Krungsri HP Platinum by about ฿190/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 HP Platinum vs Krungsri Visa Platinum comparison table
Feature	Krungsri HP Platinum Krungsri	Krungsri Visa Platinum Krungsri
Fees & eligibility
Annual fee	฿1,990	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	฿25,000/mo	฿12,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿515/yr	฿705/yr
Online shopping	฿2,000 × 5% = ฿100/mo (฿1,200/yr) · cap reached	—
Top reward rate	5%	0.5% cashback
Primary reward cap	฿2,000 eligible spend/mo	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	—	—

Frequently asked questions

Which card has the lower annual fee?: Krungsri Visa Platinum has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: Krungsri Visa Platinum leads with an estimated ฿705/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungsri Visa Platinum lists a minimum monthly income of ฿12,000.
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

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