Which card has the lower annual fee?

Krungthai Pearl Credit Card has the lowest annual fee at ฿1,200.

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?

Krungthai Pearl Credit Card 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.

Side-by-side · honest numbers

Krungthai Pearl Credit Card vs Standard Chartered Journey vs ttb Platinum Credit Card

Honest side-by-side comparison of Krungthai Pearl Credit Card, Standard Chartered Journey, ttb Platinum 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, Krungthai Pearl Credit Card ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿1,310/yr.

Krungthai Pearl Credit Card vs Standard Chartered Journey vs ttb Platinum Credit Card comparison table
Feature	Krungthai Pearl Credit Card Krungthai	Standard Chartered Journey Standard Chartered	ttb Platinum Credit Card ttb
Annual fee	฿1,200	฿3,500	฿3,999
Min income (monthly)	฿15,000	฿30,000	฿35,000
Top reward rate	2%	3%	2%
Net annual value (moderate spend)	฿930/yr	-฿380/yr	-฿1,569/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: Krungthai Pearl Credit Card has the lowest annual fee at ฿1,200.
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?: Krungthai Pearl Credit Card 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.

Customize your spend

Change spend profile or swap cards — results update live below.

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Your adjusted comparison

Feature	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	Standard CharteredPlatinum Standard Chartered Journey •••• •••• •••• 4242 Quick facts Standard Chartered Journey Top reward3% Annual fee฿3,500 Min income฿30,000/mo Tap to flip back Standard Chartered Journey Standard Chartered	ttbPlatinum ttb Platinum Credit Card •••• •••• •••• 4242 Quick facts ttb Platinum Credit Card Top reward2% Annual fee฿3,999 Min income฿35,000/mo Tap to flip back ttb Platinum Credit Card ttb
Annual fee	฿1,200	฿3,500	฿3,999
Min income	฿15,000	฿30,000	฿35,000
Top reward rate	2%	3%	2%
Net value (moderate)	฿930/yr	-฿380/yr	-฿1,569/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

Krungthai Pearl Credit Card details →Standard Chartered Journey details →ttb Platinum Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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