Side-by-side · honest numbers
Krungsri Lady vs Krungthai Papaya vs Krungthai Pearl Credit Card
Honest side-by-side comparison of Krungsri Lady, Krungthai Papaya, Krungthai Pearl Credit Card — 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, Krungsri Lady ranks first for estimated net annual value — ahead of Krungthai Papaya by about ฿890/yr.
| Feature | Krungsri Lady Krungsri | Krungthai Papaya Krungthai | Krungthai Pearl Credit Card Krungthai |
|---|---|---|---|
| Annual fee | ฿990 | ฿0 | ฿1,200 |
| Min income (monthly) | ฿18,000 | ฿12,000 | ฿15,000 |
| Top reward rate | 5% | 1% cashback | 2% |
| Net annual value (moderate spend) | ฿2,460/yr | ฿1,570/yr | ฿930/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ฿300 | ฿100 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Krungthai Papaya has a ฿0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Krungsri Lady leads with an estimated ฿2,460/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Papaya 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
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | 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 | KrungthaiGold Krungthai Papaya •••• •••• •••• 4242 Quick facts Krungthai Papaya Top reward1% cashback Annual feeLifetime Free Min income฿12,000/mo Tap to flip back Krungthai Papaya Krungthai | KrungthaiGold Krungthai Pearl Credit Card •••• •••• •••• 4242 Quick facts Krungthai Pearl Credit Card Top reward2% Annual fee฿1,200 Min income฿15,000/mo Tap to flip back Krungthai Pearl Credit Card Krungthai |
|---|---|---|---|
| Annual fee | ฿990 | ฿0 | ฿1,200 |
| Min income | ฿18,000 | ฿12,000 | ฿15,000 |
| Top reward rate | 5% | 1% cashback | 2% |
| Net value (moderate) | ฿2,460/yr | ฿1,570/yr | ฿930/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿300 | ฿100 | — |
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