Side-by-side · honest numbers
Citibank Rewards vs SCB JCB Platinum vs SCB Ultra Platinum
Honest side-by-side comparison of Citibank Rewards, SCB JCB Platinum, SCB Ultra 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 Citibank Rewards by about ฿1,910/yr.
| Feature | Citibank Rewards Citibank | SCB JCB Platinum SCB | SCB Ultra Platinum SCB |
|---|---|---|---|
| Annual fee | ฿1,990 | ฿2,500 | ฿6,999 |
| Min income (monthly) | ฿25,000 | ฿30,000 | ฿80,000 |
| Top reward rate | 5X points | 3% | 4% |
| Net annual value (moderate spend) | -฿900/yr | ฿1,010/yr | -฿1,089/yr |
| Secured / FD-backed | No | 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 JCB Platinum leads with an estimated ฿1,010/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 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 | SCBPlatinum SCB Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB |
|---|---|---|---|
| Annual fee | ฿1,990 | ฿2,500 | ฿6,999 |
| Min income | ฿25,000 | ฿30,000 | ฿80,000 |
| Top reward rate | 5X points | 3% | 4% |
| Net value (moderate) | -฿900/yr | ฿1,010/yr | -฿1,089/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿500 | — | — |
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