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Citibank Rewards vs SCB Prime

Honest side-by-side comparison of Citibank Rewards, SCB Prime — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Citibank Rewards

Citibank

SCB Prime

SCB

Your adjusted comparison

Feature
Citibank Rewards credit card

Citibank Rewards

Citibank

SCB Prime credit card

SCB Prime

SCB

Fees & eligibility
Annual fee฿1,990฿4,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿25,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,620/yr-฿2,329/yr
Online shopping฿5,000 → 1,000 pts/mo × ฿0.25/pt = ฿250/mo (฿3,000/yr) · issuer max ฿5,000/mo—
Dining & delivery฿3,000 → 600 pts/mo × ฿0.25/pt = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo—
Travel—฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate5X points3%
Primary reward cap฿5,000 eligible spend/mo฿5,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneAirport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿500—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Citibank Rewards details →SCB Prime details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Citibank Rewards leads SCB Prime by about ฿5,949/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ฿23,000/mo

฿23,000/month total spend — typical Thailand user

Online ฿5,000 · Groceries ฿4,000 · Dining ฿3,000 · Travel ฿3,000 · Other ฿3,000

Citibank Rewards vs SCB Prime comparison table
FeatureCitibank Rewards

Citibank

SCB Prime

SCB

Fees & eligibility
Annual fee฿1,990฿4,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿25,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,620/yr-฿2,329/yr
Online shopping฿5,000 → 1,000 pts/mo × ฿0.25/pt = ฿250/mo (฿3,000/yr) · issuer max ฿5,000/mo—
Dining & delivery฿3,000 → 600 pts/mo × ฿0.25/pt = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo—
Travel—฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate5X points3%
Primary reward cap฿5,000 eligible spend/mo฿5,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneAirport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
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?
Citibank Rewards leads with an estimated ฿3,620/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.

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