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?

Krungthai Pearl Credit Card leads with an estimated ฿930/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 Visa Platinum vs Krungthai Pearl Credit Card vs KTC Visa Platinum

Honest side-by-side comparison of Krungsri Visa Platinum, Krungthai Pearl Credit Card, KTC 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 Visa Platinum

Krungsri

Card 2

Krungthai Pearl Credit Card

Krungthai

Card 3

KTC Visa Platinum

KTC

Your adjusted comparison

Feature	Krungsri Visa Platinum Krungsri	Krungthai Pearl Credit Card Krungthai	KTC Visa Platinum KTC
Fees & eligibility
Annual fee	Lifetime free	฿1,200	Lifetime free
Fee waiver threshold	Lifetime free	No waiver published	Lifetime free
Min income	฿12,000/mo	฿15,000/mo	฿15,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	฿705/yr	฿930/yr	-฿50/yr
Utilities & bills	—	฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo	—
Top reward rate	0.5% cashback	2%	1 KTC Forever / ฿25 equiv.
Primary reward cap	No monthly cap published	฿500 rewards/mo cap	No monthly cap published
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

Krungsri Visa Platinum details →Krungthai Pearl Credit Card details →KTC Visa Platinum details →

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https://cardhungry.com/th/en/compare/krungsri-simple-vs-ktb-pearl-vs-ktc-visa-platinum

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungthai Pearl Credit Card ranks first for estimated net annual value — ahead of Krungsri Visa Platinum by about ฿225/yr.

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 Visa Platinum vs Krungthai Pearl Credit Card vs KTC Visa Platinum comparison table
Feature	Krungsri Visa Platinum Krungsri	Krungthai Pearl Credit Card Krungthai	KTC Visa Platinum KTC
Fees & eligibility
Annual fee	Lifetime free	฿1,200	Lifetime free
Fee waiver threshold	Lifetime free	No waiver published	Lifetime free
Min income	฿12,000/mo	฿15,000/mo	฿15,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	฿705/yr	฿930/yr	-฿50/yr
Utilities & bills	—	฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo	—
Top reward rate	0.5% cashback	2%	1 KTC Forever / ฿25 equiv.
Primary reward cap	No monthly cap published	฿500 rewards/mo cap	No monthly cap published
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	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?: Krungthai Pearl Credit Card leads with an estimated ฿930/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

More Krungsri Visa Platinum comparisons