SCBPlatinum

SCB Prime

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Quick facts

SCB Prime

Top reward3%

Annual fee฿4,999

Min income฿50,000/mo

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🛋️Lounge & Premium

SCB · Platinum tier

SCB Prime

Premium travel & lounge

Flagship SCB card for frequent flyers and lounge users.

Key Benefits

💳

Airport lounge access

🎁

Travel insurance

⛽

Premium concierge

Annual fee

฿4,999

Top rate

Min income

฿50,000/mo

Eff. return

-0.52%

Realistic net value (moderate user): -฿1,429/year

After ฿4,999 fee & ฿450 forex. Based on ฿23,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ฿ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ฿/point rates

What You Actually Earn (in ฿)

Absolute THB estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

฿4,020

Before fees & forex

Costs / year

฿5,449

Fee ฿4,999 + forex ฿450

Net value / year

-฿1,429

-0.52% effective return on spend

Category-wise breakdown

Travel & flights

Spend ฿3,000/mo · 3% cashback

฿1,080/year

฿90/mo

฿3,000 × 3% = ฿90/mo

International spends

Spend ฿1,500/mo · 2% cashback

฿360/year

฿30/mo

฿1,500 × 2% = ฿30/mo

All other eligible spends

Spend ฿21,500/mo · 1% cashback

฿2,580/year

฿215/mo

฿21,500 × 1% = ฿215/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

🛋️Lounge & Premium

Airport lounge, golf, concierge perks

Reward Structure

Source: Issuer public T&Cs

travel

Cap: ฿5,000/mo

Example: ฿5,000/mo spend → ≈ ฿150/mo (max at cap)

international

Example: ฿10,000/mo spend → ≈ ฿200/mo

Excluded categories (no rewards)

InsuranceGovernment paymentsCash advanceBill payment fees

Best for

→ Premium travel & lounge

Fees & Charges — Full Disclosure

All amounts in THB. Everything that can reduce your net value.

Joining fee

Charged in first year

฿4,999

Annual / renewal fee

Charged every year unless waived

฿4,999

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 net math

Gross rewards+ ฿4,020

Annual fee− ฿4,999

Forex cost− ฿450

Net annual value-฿1,429

Eligibility Snapshot

Public criteria from Issuer public T&Cs. Bank makes final decision.

Minimum age20–65 years

Min income (salaried)฿50,000/mo

Min income (self-employed)฿600,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

NCB checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierPlatinum — premium benefits tier

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.

FAQ

How much can I actually earn with SCB Prime?+

At moderate spend (฿23,000/mo), gross rewards are about ฿4,020/year. After the ฿4,999 annual fee, net value is approximately -฿1,429/year. Use the calculator above to model your own spends.

What is the minimum income for SCB Prime?+

฿50,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

Insurance, Government payments, Cash advance, Bill payment fees.

Does CardHungry pull my NCB score?+

No. We use public eligibility criteria only. The bank will check NCB when you apply.