Side-by-side · honest numbers
Citibank Rewards vs SCB FIRST
Honest side-by-side comparison of Citibank Rewards, SCB FIRST — 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 FIRST leads Citibank Rewards by about ฿1,401/yr in estimated net value.
| Feature | Citibank Rewards Citibank | SCB FIRST SCB |
|---|---|---|
| Annual fee | ฿1,990 | ฿3,999 |
| Min income (monthly) | ฿25,000 | ฿50,000 |
| Top reward rate | 5X points | 3% cashback |
| Net annual value (moderate spend) | -฿900/yr | ฿501/yr |
| Secured / FD-backed | No | No |
| Signup bonus | ฿500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Citibank Rewards has the lowest annual fee at ฿1,990.
- Which card earns more on moderate spend?
- SCB FIRST leads with an estimated ฿501/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Citibank Rewards 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.
Your adjusted comparison
| Feature | CitibankGold Citibank Rewards •••• •••• •••• 4242 Quick facts Citibank Rewards Top reward5X points Annual fee฿1,990 Min income฿25,000/mo Tap to flip back Citibank Rewards 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 |
|---|---|---|
| Annual fee | ฿1,990 | ฿3,999 |
| Min income | ฿25,000 | ฿50,000 |
| Top reward rate | 5X points | 3% cashback |
| Net value (moderate) | -฿900/yr | ฿501/yr |
| Secured / no bureau | Standard | Standard |
| Signup bonus | ฿500 | — |
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