Side-by-side · honest numbers
KTC World Rewards Mastercard vs CardX MY TRAVEL vs UOB PRIVI Miles
Honest side-by-side comparison of KTC World Rewards Mastercard, CardX MY TRAVEL, UOB PRIVI Miles — 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 World Rewards Mastercard
KTC
CardX MY TRAVEL
CardX
UOB PRIVI Miles
UOB
Your adjusted comparison
| Feature | KTC World Rewards Mastercard KTC | CardX MY TRAVEL CardX | UOB PRIVI Miles UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿2,500 | ฿3,000 | ฿4,000 |
| Fee waiver threshold | No waiver published | ฿300,000/yr | ฿300,000/yr |
| Min income | ฿30,000/mo | ฿25,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ฿254/yr | -฿570/yr | ฿1,053/yr |
| Top reward rate | 3% | 1 PointX per ฿25 | Boosted UOB Rewards (modeled 2X) |
| Primary reward cap | ฿5,000 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Airport lounge via redemption pathways (not complimentary) · Minimum spend required — see issuer T&Cs for current threshold |
| 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 | — |
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https://cardhungry.com/th/en/compare/ktc-world-rewards-vs-scb-miles-vs-uob-privi-miles-thReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, UOB PRIVI Miles ranks first for estimated net annual value — ahead of KTC World Rewards Mastercard by about ฿799/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 | CardX MY TRAVEL CardX | UOB PRIVI Miles UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿2,500 | ฿3,000 | ฿4,000 |
| Fee waiver threshold | No waiver published | ฿300,000/yr | ฿300,000/yr |
| Min income | ฿30,000/mo | ฿25,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ฿254/yr | -฿570/yr | ฿1,053/yr |
| Top reward rate | 3% | 1 PointX per ฿25 | Boosted UOB Rewards (modeled 2X) |
| Primary reward cap | ฿5,000 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Airport lounge via redemption pathways (not complimentary) · Minimum spend required — see issuer T&Cs for current threshold |
| 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?
- UOB PRIVI Miles leads with an estimated ฿1,053/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.
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