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Bangkok Bank Platinum vs SCB Prime

Honest side-by-side comparison of Bangkok Bank Platinum, 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

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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 Platinum

Bangkok Bank

SCB Prime

SCB

Your adjusted comparison

Feature
Bangkok Bank Platinum credit card

Bangkok Bank Platinum

Bangkok Bank

SCB Prime credit card

SCB Prime

SCB

Fees & eligibility
Annual fee฿4,500฿4,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿2,310/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 rate2%3%
Primary reward cap฿2,500 eligible spend/mo฿5,000 eligible spend/mo
Perks & restrictions
Lounge accessAirport lounge privileges · Minimum spend required — see issuer T&Cs for current thresholdAirport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
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 Platinum details →SCB Prime details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Bangkok Bank Platinum leads SCB Prime by about ฿19/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 Platinum vs SCB Prime comparison table
FeatureBangkok Bank Platinum

Bangkok Bank

SCB Prime

SCB

Fees & eligibility
Annual fee฿4,500฿4,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿2,310/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 rate2%3%
Primary reward cap฿2,500 eligible spend/mo฿5,000 eligible spend/mo
Perks & restrictions
Lounge accessAirport lounge privileges · Minimum spend required — see issuer T&Cs for current thresholdAirport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
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?
Bangkok Bank Platinum has the lowest annual fee at ฿4,500.
Which card earns more on moderate spend?
Bangkok Bank Platinum leads with an estimated -฿2,310/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.

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