#1฿1,010/yr
SCB JCB Platinum
3% · Lounge & Premium
Best net value on this list — about ฿1,010/yr in your pocket after fees on typical spends.
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Age 20–65 · From ฿50,000/mo income · Unsecured
Lounge & Premium·SCB
For SCB First customers seeking premium perks.
Age 20–65 · From ฿50,000/mo income · Unsecured
Key Benefits
All 6 benefits →Travel
3% cashback
฿6,000/mo spend
Lounge
SCB First lounge network
Travel
3%
ใช้จ่ายถึง ฿6,000/เดือน
Dining
2%
High annual fee — may not pay off at moderate spend
At ฿23,000/mo, net value is -฿129/yr after fees. It turns positive around ฿23,763/mo — and at heavy spend (฿56,000/mo) we estimate ฿4,581/yr.
Model your spends in the calculator →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)
Airport lounge, golf, concierge perks
Lounge access: SCB First lounge network access at select airports
Spend criteria: Bundled with SCB First banking relationship
Source: Issuer public T&Cs (Thailand, verified Jun 2026)
Travel
3% cashback
Cap: ฿6,000/mo spend
Example: ฿6,000/mo spend → ≈ ฿180/mo (max at cap)
Lounge
SCB First lounge network
Lounge access
SCB First lounge network access at select airports
Spend criteria: Bundled with SCB First banking relationship
Based on moderate spend for this market
Est. net annual
-฿129
per year
Annual fee
฿3,999
per year
Effective return
-0.1%
of spend
Rewards minus annual fee on your spend profile
Annual fee ฿3,999 · Forex 2.5% on international transactions — tap for full fees
Joining fee
Charged in first year
฿3,999
Annual / renewal fee
Charged every year unless waived
฿3,999
Forex markup
2.5% 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 · ฿50,000/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 ฿4,320/year. After the ฿3,999 annual fee, net value is approximately -฿129/year. Use the calculator above to model your own spends.
฿50,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Cash advance, Bill payment fees.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.