#1฿3,591/yr
SCB M LIFESTYLE
Up to 5% · Shopping Partners
Best net value on this list — about ฿3,591/yr in your pocket after fees on typical spends.
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Age 20–65 · From ฿25,000/mo income · Unsecured
Shopping Partners·Citibank
Convert points to miles, vouchers, or cashback.
Age 20–65 · From ฿25,000/mo income · Unsecured
Key Benefits
All 6 benefits →Dining/shopping
5X points
Dining
5 pts/25
ใช้จ่ายถึง ฿5,000/เดือน
Online
5 pts/25
ใช้จ่ายถึง ฿5,000/เดือน
All spends
1 pts/25
Signup bonus: ฿500 (year 1)
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Issuer public T&Cs (Thailand, verified Jun 2026)
Amazon, Flipkart & co-branded accelerators
Source: Issuer public T&Cs (Thailand, verified Jun 2026)
Dining/shopping
5X points
See worked examples of how points convert to cash value
dining — 5 pts per ฿25 spend
You spend
฿5,000
You earn
1000 pts
Worth ≈
฿250
@ ฿0.25/point
Capped at ฿5,000/month spend for accelerated rate
online shopping — 5 pts per ฿25 spend
You spend
฿5,000
You earn
1000 pts
Worth ≈
฿250
@ ฿0.25/point
Capped at ฿5,000/month spend for accelerated rate
all — 1 pts per ฿25 spend
You spend
฿5,000
You earn
200 pts
Worth ≈
฿50
@ ฿0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ฿0.25/pt in calculations.
Based on moderate spend for this market
Est. net annual
฿3,620
per year
Annual fee
฿1,990
per year
Effective return
1.3%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿1,990 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿1,990
Annual / renewal fee
Charged every year unless waived
฿1,990
Forex markup
3.5% on international transactions
Finance charges
≈1.5–1.75% per month (18–21% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
Typically ฿200–฿800 depending on statement balance — always pay on time
Reward redemption fee
Usually ฿0 for cashback cards; points cards may have ฿50+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
20–65 years · ฿25,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (฿23,000/mo), gross rewards are about ฿6,240/year. After the ฿1,990 annual fee, net value is approximately ฿3,620/year. Use the calculator above to model your own spends.
฿25,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
SCB M LIFESTYLE
Up to 5% · Shopping Partners
Best net value on this list — about ฿3,591/yr in your pocket after fees on typical spends.
CardX UP2ME Mastercard
Up to 5% · Shopping Partners
Strong runner-up at ฿3,551/yr net — roughly ฿40 behind #1 on the same spend mix.
Krungsri HP Platinum
5% · Shopping Partners
Worth a look — ฿515/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
