Which card has the lower annual fee?

Bangkok Bank Platinum has the lowest annual fee at ฿4,500.

Which card earns more on moderate spend?

HSBC Premier World Mastercard leads with an estimated -฿2,244/yr net annual value on moderate spend.

Which card has the lower income requirement?

Bangkok Bank Platinum 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.

Side-by-side · honest numbers

Bangkok Bank Platinum vs HSBC Premier World Mastercard vs SCB Prime

Honest side-by-side comparison of Bangkok Bank Platinum, HSBC Premier World Mastercard, SCB Prime — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

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

Card 1

Bangkok Bank Platinum

Bangkok Bank

Card 2

HSBC Premier World Mastercard

HSBC

Card 3

SCB Prime

SCB

Your adjusted comparison

Feature	Bangkok Bank Platinum Bangkok Bank	HSBC Premier World Mastercard HSBC	SCB Prime SCB
Fees & eligibility
Annual fee	฿4,500	฿4,500	฿4,999
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿40,000/mo	฿40,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,310/yr	-฿2,244/yr	-฿2,329/yr
Travel	฿2,500 × 2% = ฿50/mo (฿600/yr) · cap reached	—	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate	2%	3%	3%
Primary reward cap	฿2,500 eligible spend/mo	฿5,000 rewards/mo cap	฿5,000 eligible spend/mo
Perks & restrictions
Lounge access	Airport lounge privileges · Minimum spend required — see issuer T&Cs for current threshold	Premier lounge access at select airports · No minimum spend required for lounge access	Airport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

Bangkok Bank Platinum details →HSBC Premier World Mastercard details →SCB Prime details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HSBC Premier World Mastercard ranks first for estimated net annual value — ahead of Bangkok Bank Platinum by about ฿66/yr.

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 Platinum vs HSBC Premier World Mastercard vs SCB Prime comparison table
Feature	Bangkok Bank Platinum Bangkok Bank	HSBC Premier World Mastercard HSBC	SCB Prime SCB
Fees & eligibility
Annual fee	฿4,500	฿4,500	฿4,999
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿40,000/mo	฿40,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿2,310/yr	-฿2,244/yr	-฿2,329/yr
Travel	฿2,500 × 2% = ฿50/mo (฿600/yr) · cap reached	—	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate	2%	3%	3%
Primary reward cap	฿2,500 eligible spend/mo	฿5,000 rewards/mo cap	฿5,000 eligible spend/mo
Perks & restrictions
Lounge access	Airport lounge privileges · Minimum spend required — see issuer T&Cs for current threshold	Premier lounge access at select airports · No minimum spend required for lounge access	Airport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: Bangkok Bank Platinum has the lowest annual fee at ฿4,500.
Which card earns more on moderate spend?: HSBC Premier World Mastercard leads with an estimated -฿2,244/yr net annual value on moderate spend.
Which card has the lower income requirement?: Bangkok Bank Platinum 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More Bangkok Bank Platinum comparisons