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KTC Visa Platinum vs ttb reserve infinite

Honest side-by-side comparison of KTC Visa Platinum, ttb reserve infinite — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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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.

KTC Visa Platinum

KTC

ttb reserve infinite

ttb

Your adjusted comparison

Feature
KTC Visa Platinum credit card

KTC Visa Platinum

KTC

ttb reserve infinite credit card

ttb reserve infinite

ttb

Fees & eligibility
Annual feeLifetime free฿16,900
Fee waiver thresholdLifetime freeNo waiver published
Min income฿15,000/mo฿100,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿50/yr-฿11,470/yr
Travel—฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿15,000/mo
Top reward rate1 KTC Forever / ฿25 equiv.5% cashback
Primary reward capNo monthly cap published฿15,000 eligible spend/mo
Perks & restrictions
Lounge accessNonePriority Pass membership with unlimited visits (issuer T&Cs apply) · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Stack mode (hold both)

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

KTC Visa Platinum details →ttb reserve infinite details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KTC Visa Platinum leads ttb reserve infinite by about ฿11,420/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

KTC Visa Platinum vs ttb reserve infinite comparison table
FeatureKTC Visa Platinum

KTC

ttb reserve infinite

ttb

Fees & eligibility
Annual feeLifetime free฿16,900
Fee waiver thresholdLifetime freeNo waiver published
Min income฿15,000/mo฿100,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿50/yr-฿11,470/yr
Travel—฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿15,000/mo
Top reward rate1 KTC Forever / ฿25 equiv.5% cashback
Primary reward capNo monthly cap published฿15,000 eligible spend/mo
Perks & restrictions
Lounge accessNonePriority Pass membership with unlimited visits (issuer T&Cs apply) · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
KTC Visa Platinum has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
KTC Visa Platinum leads with an estimated -฿50/yr net annual value on moderate spend.
Which card has the lower income requirement?
KTC Visa Platinum 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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