Side-by-side · honest numbers
KTC World Rewards Mastercard vs Standard Chartered Journey vs CardX MY TRAVEL
Honest side-by-side comparison of KTC World Rewards Mastercard, Standard Chartered Journey, CardX MY TRAVEL — 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.
KTC World Rewards Mastercard
KTC
Standard Chartered Journey
Standard Chartered
CardX MY TRAVEL
CardX
Your adjusted comparison
| Feature | KTC World Rewards Mastercard KTC | Standard Chartered Journey Standard Chartered | CardX MY TRAVEL CardX |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿2,500 | ฿3,500 | ฿3,000 |
| Fee waiver threshold | No waiver published | No waiver published | ฿300,000/yr |
| Min income | ฿30,000/mo | ฿30,000/mo | ฿25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ฿254/yr | -฿1,010/yr | -฿570/yr |
| Travel | — | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo | — |
| Top reward rate | 3% | 3% | 1 PointX per ฿25 |
| Primary reward cap | ฿5,000 rewards/mo cap | ฿5,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| 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 | — | — | ฿500 |
Share this comparison
https://cardhungry.com/th/en/compare/ktc-world-rewards-vs-sc-journey-th-vs-scb-milesReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, KTC World Rewards Mastercard ranks first for estimated net annual value — ahead of CardX MY TRAVEL by about ฿824/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
| Feature | KTC World Rewards Mastercard KTC | Standard Chartered Journey Standard Chartered | CardX MY TRAVEL CardX |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿2,500 | ฿3,500 | ฿3,000 |
| Fee waiver threshold | No waiver published | No waiver published | ฿300,000/yr |
| Min income | ฿30,000/mo | ฿30,000/mo | ฿25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ฿254/yr | -฿1,010/yr | -฿570/yr |
| Travel | — | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo | — |
| Top reward rate | 3% | 3% | 1 PointX per ฿25 |
| Primary reward cap | ฿5,000 rewards/mo cap | ฿5,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| 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 | — | — | ฿500 |
Frequently asked questions
- Which card has the lower annual fee?
- KTC World Rewards Mastercard has the lowest annual fee at ฿2,500.
- Which card earns more on moderate spend?
- KTC World Rewards Mastercard leads with an estimated ฿254/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- CardX MY TRAVEL lists a minimum monthly income of ฿25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More KTC World Rewards Mastercard comparisons
- KTC World Rewards Mastercard vs BBL Platinum Leader
- KTC World Rewards Mastercard vs Bangkok Bank Be Smart
- KTC World Rewards Mastercard vs Bangkok Bank M PRESTIGE
- KTC World Rewards Mastercard vs Bangkok Bank Platinum
- KTC World Rewards Mastercard vs CardX UP2ME Mastercard
- KTC World Rewards Mastercard vs HSBC Advance Credit Card
- KTC World Rewards Mastercard vs HSBC Premier World Mastercard
- KTC World Rewards Mastercard vs KBank Blue Credit Card
- KTC World Rewards Mastercard vs KBank JCB Platinum
- KTC World Rewards Mastercard vs KBank LINE POINTS Credit Card
- KTC World Rewards Mastercard vs KBank Mastercard Platinum
- KTC World Rewards Mastercard vs KBank PLUSTINUM