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Bangkok Bank M PRESTIGE vs SCB FIRST

Honest side-by-side comparison of Bangkok Bank M PRESTIGE, SCB FIRST — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Bangkok Bank M PRESTIGE

Bangkok Bank

SCB FIRST

SCB

Your adjusted comparison

Feature
Bangkok Bank M PRESTIGE credit card

Bangkok Bank M PRESTIGE

Bangkok Bank

SCB FIRST credit card

SCB FIRST

SCB

Fees & eligibility
Annual fee฿4,500฿3,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿1,110/yr-฿129/yr
Dining & delivery—฿3,000 × 2% = ฿60/mo (฿720/yr)
Travel฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo
Top reward rate5%3% cashback
Primary reward cap฿5,000 eligible spend/mo฿6,000 eligible spend/mo
Perks & restrictions
Lounge accessAirport lounge privileges at select airports · Minimum spend required — see issuer T&Cs for current thresholdSCB First lounge network access at select airports · Bundled with SCB First banking relationship
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Bangkok Bank M PRESTIGE details →SCB FIRST details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB FIRST leads Bangkok Bank M PRESTIGE by about ฿981/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ฿23,000/mo

฿23,000/month total spend — typical Thailand user

Online ฿5,000 · Groceries ฿4,000 · Dining ฿3,000 · Travel ฿3,000 · Other ฿3,000

Bangkok Bank M PRESTIGE vs SCB FIRST comparison table
FeatureBangkok Bank M PRESTIGE

Bangkok Bank

SCB FIRST

SCB

Fees & eligibility
Annual fee฿4,500฿3,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿1,110/yr-฿129/yr
Dining & delivery—฿3,000 × 2% = ฿60/mo (฿720/yr)
Travel฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo
Top reward rate5%3% cashback
Primary reward cap฿5,000 eligible spend/mo฿6,000 eligible spend/mo
Perks & restrictions
Lounge accessAirport lounge privileges at select airports · Minimum spend required — see issuer T&Cs for current thresholdSCB First lounge network access at select airports · Bundled with SCB First banking relationship
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SCB FIRST has the lowest annual fee at ฿3,999.
Which card earns more on moderate spend?
SCB FIRST leads with an estimated -฿129/yr net annual value on moderate spend.
Which card has the lower income requirement?
Bangkok Bank M PRESTIGE lists a minimum monthly income of ฿40,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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