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Krungsri NOW vs ttb absolute

Honest side-by-side comparison of Krungsri NOW, ttb absolute — 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

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Krungsri NOW

Krungsri

ttb absolute

ttb

Your adjusted comparison

Feature
Krungsri NOW credit card

Krungsri NOW

Krungsri

ttb absolute credit card

ttb absolute

ttb

Fees & eligibility
Annual fee฿599฿3,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿15,000/mo฿35,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿2,686/yr-฿1,010/yr
Online shopping฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo—
Travel—฿3,000 × 2.5% = ฿75/mo (฿900/yr) · issuer max ฿4,000/mo
Utilities & bills฿1,500 × 2% = ฿30/mo (฿360/yr)—
Top reward rate3% cashback2.5%
Primary reward cap฿1,000 rewards/mo cap฿4,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿100—

Stack mode (hold both)

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

Krungsri NOW details →ttb absolute details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungsri NOW leads ttb absolute by about ฿3,696/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 NOW vs ttb absolute comparison table
FeatureKrungsri NOW

Krungsri

ttb absolute

ttb

Fees & eligibility
Annual fee฿599฿3,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿15,000/mo฿35,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿2,686/yr-฿1,010/yr
Online shopping฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo—
Travel—฿3,000 × 2.5% = ฿75/mo (฿900/yr) · issuer max ฿4,000/mo
Utilities & bills฿1,500 × 2% = ฿30/mo (฿360/yr)—
Top reward rate3% cashback2.5%
Primary reward cap฿1,000 rewards/mo cap฿4,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿100—

Frequently asked questions

Which card has the lower annual fee?
Krungsri NOW has the lowest annual fee at ฿599.
Which card earns more on moderate spend?
Krungsri NOW leads with an estimated ฿2,686/yr net annual value on moderate spend.
Which card has the lower income requirement?
Krungsri NOW lists a minimum monthly income of ฿15,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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