Which card has the lower annual fee?

Standard Chartered Journey has the lowest annual fee at ฿3,500.

Which card earns more on moderate spend?

SCB FIRST leads with an estimated ฿501/yr net annual value on moderate spend.

Which card has the lower income requirement?

Standard Chartered Journey lists a minimum monthly income of ฿30,000.

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 Standard Chartered Journey vs SCB FIRST

Honest side-by-side comparison of Bangkok Bank Platinum, Standard Chartered Journey, SCB FIRST — 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 FIRST ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿881/yr.

Bangkok Bank Platinum vs Standard Chartered Journey vs SCB FIRST comparison table
Feature	Bangkok Bank Platinum Bangkok Bank	Standard Chartered Journey Standard Chartered	SCB FIRST SCB
Annual fee	฿4,500	฿3,500	฿3,999
Min income (monthly)	฿40,000	฿30,000	฿50,000
Top reward rate	2%	3%	3% cashback
Net annual value (moderate spend)	-฿1,950/yr	-฿380/yr	฿501/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: Standard Chartered Journey has the lowest annual fee at ฿3,500.
Which card earns more on moderate spend?: SCB FIRST leads with an estimated ฿501/yr net annual value on moderate spend.
Which card has the lower income requirement?: Standard Chartered Journey lists a minimum monthly income of ฿30,000.
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	Standard CharteredPlatinum Standard Chartered Journey •••• •••• •••• 4242 Quick facts Standard Chartered Journey Top reward3% Annual fee฿3,500 Min income฿30,000/mo Tap to flip back Standard Chartered Journey Standard Chartered	SCBPlatinum SCB FIRST •••• •••• •••• 4242 Quick facts SCB FIRST Top reward3% cashback Annual fee฿3,999 Min income฿50,000/mo Tap to flip back SCB FIRST SCB
Annual fee	฿4,500	฿3,500	฿3,999
Min income	฿40,000	฿30,000	฿50,000
Top reward rate	2%	3%	3% cashback
Net value (moderate)	-฿1,950/yr	-฿380/yr	฿501/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

Bangkok Bank Platinum details →Standard Chartered Journey details →SCB FIRST details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bangkok Bank Platinum comparisons