#1฿5,430/yr
SCB Private Banking Infinite
5% · Premium Metal
Wins this head-to-head — about ฿5,430/yr net after fees on typical spends.
Age 20–65 · From ฿100,000/mo income · Unsecured
Premium Metal·ttb
Top-tier metal card for ultra-high spenders.
Age 20–65 · From ฿100,000/mo income · Unsecured
Key Benefits
All 10 benefits →Travel
5% cashback
฿15,000/mo spend
Lounge
Priority Pass membership
Typical exclusions
Insurance, government, cash advance
Confirm current issuer T&Cs
Travel
5%
On ฿15,000/mo spend
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: ttb fee schedule 1 Jul 2026 — reserve infinite annual fee free
High income, metal cards, max perks
Source: ttb fee schedule 1 Jul 2026 — reserve infinite annual fee free
Travel
5% cashback
Cap: ฿15,000/mo spend
Example: ฿15,000/mo spend → ≈ ฿750/mo (max at cap)
Lounge
Priority Pass membership
Typical exclusions
Confirm current issuer T&Cs
Insurance, government, cash advance
Lounge access
Priority Pass membership with unlimited visits (issuer T&Cs apply)
Spend criteria: No minimum spend required for lounge access
Based on moderate spend for this market
Est. net annual
฿5,430
per year
Annual fee
Free
per year
Effective return
2.0%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 2.5% on international transactions — tap for full fees
Joining fee
Lifetime free card
฿0
Annual / renewal fee
No renewal fee ever
฿0
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 · ฿100,000/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 ฿5,880/year. After the ฿0 annual fee, net value is approximately ฿5,430/year. Use the calculator above to model your own spends.
฿100,000/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.
