#1-฿570/yr
CardX MY TRAVEL
1 PointX per ฿25 · Travel & Miles
Best net value on this list — about -฿570/yr in your pocket after fees on typical spends.
Age 20–65 · From ฿30,000/mo income · Unsecured
Travel & Miles·Standard Chartered
Standard Chartered card for travel and restaurant spends.
Age 20–65 · From ฿30,000/mo income · Unsecured
Key Benefits
All 7 benefits →Travel
3%
฿5,000/mo
Other eligible spends
Base earn — see issuer T&Cs
Typical exclusions
Insurance, government, cash advance
Confirm current issuer T&Cs
All spends
1%
High annual fee — may not pay off at moderate spend
At ฿23,000/mo, net value is -฿1,010/yr after fees. It turns positive around ฿32,321/mo — and at heavy spend (฿56,000/mo) we estimate ฿1,240/yr.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: BLOCKER — Journey not named on sc.com/th current credit-card rates
Flights, hotels, zero forex options
Source: BLOCKER — Journey not named on sc.com/th current credit-card rates
Travel
3%
Cap: ฿5,000/mo
Example: ฿5,000/mo spend → ≈ ฿150/mo (max at cap)
Other eligible spends
Base earn — see issuer T&Cs
Typical exclusions
Confirm current issuer T&Cs
Insurance, government, cash advance
Based on moderate spend for this market
Est. net annual
-฿1,010
per year
Annual fee
฿3,500
per year
Effective return
-0.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿3,500 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿3,500
Annual / renewal fee
Charged every year unless waived
฿3,500
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 · ฿30,000/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 ฿3,120/year. After the ฿3,500 annual fee, net value is approximately -฿1,010/year. Use the calculator above to model your own spends.
฿30,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
CardX MY TRAVEL
1 PointX per ฿25 · Travel & Miles
Best net value on this list — about -฿570/yr in your pocket after fees on typical spends.
KBank JCB Platinum
Boosted K Point (modeled 2X) · Travel & Miles
Strong runner-up at -฿1,793/yr net — roughly ฿1,223 behind #1 on the same spend mix.
KBank Mastercard Platinum
Boosted K Point (modeled 2X) · Travel & Miles
Worth a look — -฿1,793/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
