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?

SCB Ultra Platinum leads with an estimated -฿1,089/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 Ultra Platinum

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

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB Ultra Platinum ranks first for estimated net annual value — ahead of Bangkok Bank Platinum by about ฿861/yr.

Bangkok Bank Platinum vs HSBC Premier World Mastercard vs SCB Ultra Platinum comparison table
Feature	Bangkok Bank Platinum Bangkok Bank	HSBC Premier World Mastercard HSBC	SCB Ultra Platinum SCB
Annual fee	฿4,500	฿4,500	฿6,999
Min income (monthly)	฿40,000	฿40,000	฿80,000
Top reward rate	2%	3%	4%
Net annual value (moderate spend)	-฿1,950/yr	-฿2,190/yr	-฿1,089/yr
Secured / FD-backed	No	No	No
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?: SCB Ultra Platinum leads with an estimated -฿1,089/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

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

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Your adjusted comparison

Feature	Bangkok BankPlatinum Bangkok Bank Platinum •••• •••• •••• 4242 Quick facts Bangkok Bank Platinum Top reward2% Annual fee฿4,500 Min income฿40,000/mo Tap to flip back Bangkok Bank Platinum Bangkok Bank	HSBCPlatinum HSBC Premier World Mastercard •••• •••• •••• 4242 Quick facts HSBC Premier World Mastercard Top reward3% Annual fee฿4,500 Min income฿40,000/mo Tap to flip back HSBC Premier World Mastercard HSBC	SCBPlatinum SCB Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB
Annual fee	฿4,500	฿4,500	฿6,999
Min income	฿40,000	฿40,000	฿80,000
Top reward rate	2%	3%	4%
Net value (moderate)	-฿1,950/yr	-฿2,190/yr	-฿1,089/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

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

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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