Which card has the lower annual fee?

SCB Miles has the lowest annual fee at ฿1,990.

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?

SCB Miles lists a minimum monthly income of ฿25,000.

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 SCB Miles vs SCB Ultra Platinum

Honest side-by-side comparison of Bangkok Bank Platinum, SCB Miles, 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 SCB Miles by about ฿256/yr.

Bangkok Bank Platinum vs SCB Miles vs SCB Ultra Platinum comparison table
Feature	Bangkok Bank Platinum Bangkok Bank	SCB Miles SCB	SCB Ultra Platinum SCB
Annual fee	฿4,500	฿1,990	฿6,999
Min income (monthly)	฿40,000	฿25,000	฿80,000
Top reward rate	2%	3 miles/฿25	4%
Net annual value (moderate spend)	-฿1,950/yr	-฿1,345/yr	-฿1,089/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿500	—

Frequently asked questions

Which card has the lower annual fee?: SCB Miles has the lowest annual fee at ฿1,990.
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?: SCB Miles lists a minimum monthly income of ฿25,000.
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	SCBGold SCB Miles •••• •••• •••• 4242 Quick facts SCB Miles Top reward3 miles/฿25 Annual fee฿1,990 Min income฿25,000/mo Tap to flip back SCB Miles SCB	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	฿1,990	฿6,999
Min income	฿40,000	฿25,000	฿80,000
Top reward rate	2%	3 miles/฿25	4%
Net value (moderate)	-฿1,950/yr	-฿1,345/yr	-฿1,089/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿500	—

Bangkok Bank Platinum details →SCB Miles details →SCB Ultra Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bangkok Bank Platinum comparisons