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Krungthai Travel Platinum Mastercard Debit vs Krungthai Pearl Credit Card

Honest side-by-side comparison of Krungthai Travel Platinum Mastercard Debit, Krungthai Pearl Credit Card — 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.

Krungthai Travel Platinum Mastercard Debit

Krungthai

Krungthai Pearl Credit Card

Krungthai

Your adjusted comparison

Feature
Krungthai Travel Platinum Mastercard Debit credit card

Krungthai Travel Platinum Mastercard Debit

Krungthai

Krungthai Pearl Credit Card

Krungthai Pearl Credit Card

Krungthai

Fees & eligibility
Annual feeLifetime free฿1,200
Fee waiver thresholdLifetime freeNo waiver published
Min income฿12,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿1,470/yr฿930/yr
Utilities & bills—฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo
Top reward rate0.8% cashback2%
Primary reward capNo monthly cap published฿500 rewards/mo cap
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.

Krungthai Travel Platinum Mastercard Debit details →Krungthai Pearl Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungthai Travel Platinum Mastercard Debit leads Krungthai Pearl Credit Card by about ฿540/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

Krungthai Travel Platinum Mastercard Debit vs Krungthai Pearl Credit Card comparison table
FeatureKrungthai Travel Platinum Mastercard Debit

Krungthai

Krungthai Pearl Credit Card

Krungthai

Fees & eligibility
Annual feeLifetime free฿1,200
Fee waiver thresholdLifetime freeNo waiver published
Min income฿12,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿1,470/yr฿930/yr
Utilities & bills—฿1,500 × 2% = ฿30/mo (฿360/yr) · issuer max ฿500/mo
Top reward rate0.8% cashback2%
Primary reward capNo monthly cap published฿500 rewards/mo cap
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?
Krungthai Travel Platinum Mastercard Debit has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
Krungthai Travel Platinum Mastercard Debit leads with an estimated ฿1,470/yr net annual value on moderate spend.
Which card has the lower income requirement?
Krungthai Travel Platinum Mastercard Debit 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.

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