CardHungry

Side-by-side · honest numbers

Krungsri Lady vs KTC X Visa Signature

Honest side-by-side comparison of Krungsri Lady, KTC X Visa Signature — 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.

Krungsri Lady

Krungsri

KTC X Visa Signature

KTC

Your adjusted comparison

Feature
Krungsri Lady credit card

Krungsri Lady

Krungsri

KTC X Visa Signature credit card

KTC X Visa Signature

KTC

Fees & eligibility
Annual fee฿990฿5,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿18,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿2,115/yr-฿4,730/yr
Online shopping฿5,000 × 3% = ฿150/mo (฿1,800/yr)฿5,000 → 100 pts/mo × ฿0.25/pt = ฿25/mo (฿300/yr)
Dining & delivery฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo฿3,000 → 60 pts/mo × ฿0.25/pt = ฿15/mo (฿180/yr)
Top reward rate5%3X Forever (when fee paid)
Primary reward cap฿1,000 rewards/mo capNo monthly cap published
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿300—

Stack mode (hold both)

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

Krungsri Lady details →KTC X Visa Signature details →

Share this comparison

https://cardhungry.com/th/en/compare/krungsri-lady-vs-ktc-x-visa-signature

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungsri Lady leads KTC X Visa Signature by about ฿6,845/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 Lady vs KTC X Visa Signature comparison table
FeatureKrungsri Lady

Krungsri

KTC X Visa Signature

KTC

Fees & eligibility
Annual fee฿990฿5,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿18,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿2,115/yr-฿4,730/yr
Online shopping฿5,000 × 3% = ฿150/mo (฿1,800/yr)฿5,000 → 100 pts/mo × ฿0.25/pt = ฿25/mo (฿300/yr)
Dining & delivery฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo฿3,000 → 60 pts/mo × ฿0.25/pt = ฿15/mo (฿180/yr)
Top reward rate5%3X Forever (when fee paid)
Primary reward cap฿1,000 rewards/mo capNo monthly cap published
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿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?
Krungsri Lady leads with an estimated ฿2,115/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.

More Krungsri Lady comparisons