Side-by-side · honest numbers
Citi PremierMiles vs KBank Makro Platinum vs SCB JCB Platinum
Honest side-by-side comparison of Citi PremierMiles, KBank Makro Platinum, SCB JCB 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 JCB Platinum ranks first for estimated net annual value — ahead of KBank Makro Platinum by about ฿862/yr.
| Feature | Citi PremierMiles Citibank | KBank Makro Platinum KBank | SCB JCB Platinum SCB |
|---|---|---|---|
| Annual fee | ฿3,990 | ฿1,490 | ฿2,500 |
| Min income (monthly) | ฿35,000 | ฿20,000 | ฿30,000 |
| Top reward rate | 4 miles/฿25 | 5% | 3% |
| Net annual value (moderate spend) | -฿3,648/yr | ฿148/yr | ฿1,010/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- KBank Makro Platinum has the lowest annual fee at ฿1,490.
- Which card earns more on moderate spend?
- SCB JCB Platinum leads with an estimated ฿1,010/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- KBank Makro Platinum lists a minimum monthly income of ฿20,000.
- 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 | KBankPlatinum KBank Makro Platinum •••• •••• •••• 4242 Quick facts KBank Makro Platinum Top reward5% Annual fee฿1,490 Min income฿20,000/mo Tap to flip back KBank Makro Platinum KBank | SCBPlatinum SCB JCB Platinum •••• •••• •••• 4242 Quick facts SCB JCB Platinum Top reward3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back SCB JCB Platinum SCB |
|---|---|---|---|
| Annual fee | ฿3,990 | ฿1,490 | ฿2,500 |
| Min income | ฿35,000 | ฿20,000 | ฿30,000 |
| Top reward rate | 4 miles/฿25 | 5% | 3% |
| Net value (moderate) | -฿3,648/yr | ฿148/yr | ฿1,010/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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