Which card has the lower annual fee?

SCB JCB Platinum has the lowest annual fee at ฿2,500.

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?

SCB JCB Platinum 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

Citi PremierMiles vs SCB FIRST vs SCB JCB Platinum

Honest side-by-side comparison of Citi PremierMiles, SCB FIRST, 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 SCB FIRST by about ฿509/yr.

Citi PremierMiles vs SCB FIRST vs SCB JCB Platinum comparison table
Feature	Citi PremierMiles Citibank	SCB FIRST SCB	SCB JCB Platinum SCB
Annual fee	฿3,990	฿3,999	฿2,500
Min income (monthly)	฿35,000	฿50,000	฿30,000
Top reward rate	4 miles/฿25	3% cashback	3%
Net annual value (moderate spend)	-฿3,648/yr	฿501/yr	฿1,010/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: SCB JCB Platinum has the lowest annual fee at ฿2,500.
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?: SCB JCB Platinum 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	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	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	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	฿3,999	฿2,500
Min income	฿35,000	฿50,000	฿30,000
Top reward rate	4 miles/฿25	3% cashback	3%
Net value (moderate)	-฿3,648/yr	฿501/yr	฿1,010/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

Citi PremierMiles details →SCB FIRST details →SCB JCB Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Citi PremierMiles comparisons