Side-by-side · honest numbers
Citi PremierMiles vs HSBC Advance Credit Card vs SCB K-Spect
Honest side-by-side comparison of Citi PremierMiles, HSBC Advance Credit Card, SCB K-Spect — 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 K-Spect ranks first for estimated net annual value — ahead of HSBC Advance Credit Card by about ฿5,881/yr.
| Feature | Citi PremierMiles Citibank | HSBC Advance Credit Card HSBC | SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿3,990 | ฿5,000 | ฿799 |
| Min income (monthly) | ฿35,000 | ฿45,000 | ฿15,000 |
| Top reward rate | 4 miles/฿25 | 2% | Up to 5% |
| Net annual value (moderate spend) | -฿3,648/yr | -฿2,330/yr | ฿3,551/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SCB K-Spect has the lowest annual fee at ฿799.
- Which card earns more on moderate spend?
- SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SCB K-Spect lists a minimum monthly income of ฿15,000.
- 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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Your adjusted comparison
| Feature | CitibankPlatinum Citi PremierMiles •••• •••• •••• 4242 Quick facts Citi PremierMiles Top reward4 miles/฿25 Annual fee฿3,990 Min income฿35,000/mo Tap to flip back Citi PremierMiles Citibank | HSBCPlatinum HSBC Advance Credit Card •••• •••• •••• 4242 Quick facts HSBC Advance Credit Card Top reward2% Annual fee฿5,000 Min income฿45,000/mo Tap to flip back HSBC Advance Credit Card HSBC | SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB |
|---|---|---|---|
| Annual fee | ฿3,990 | ฿5,000 | ฿799 |
| Min income | ฿35,000 | ฿45,000 | ฿15,000 |
| Top reward rate | 4 miles/฿25 | 2% | Up to 5% |
| Net value (moderate) | -฿3,648/yr | -฿2,330/yr | ฿3,551/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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