Side-by-side · honest numbers
Citibank Rewards vs SCB Ultra Platinum vs UOB ONE Card (Thailand)
Honest side-by-side comparison of Citibank Rewards, SCB Ultra Platinum, UOB ONE Card (Thailand) — 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, UOB ONE Card (Thailand) ranks first for estimated net annual value — ahead of Citibank Rewards by about ฿1,070/yr.
| Feature | Citibank Rewards Citibank | SCB Ultra Platinum SCB | UOB ONE Card (Thailand) UOB |
|---|---|---|---|
| Annual fee | ฿1,990 | ฿6,999 | ฿2,500 |
| Min income (monthly) | ฿25,000 | ฿80,000 | ฿30,000 |
| Top reward rate | 5X points | 4% | Up to 3% |
| Net annual value (moderate spend) | -฿900/yr | -฿1,089/yr | ฿170/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?
- UOB ONE Card (Thailand) leads with an estimated ฿170/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 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 | UOBGold UOB ONE Card (Thailand) •••• •••• •••• 4242 Quick facts UOB ONE Card (Thailand) Top rewardUp to 3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back UOB ONE Card (Thailand) UOB |
|---|---|---|---|
| Annual fee | ฿1,990 | ฿6,999 | ฿2,500 |
| Min income | ฿25,000 | ฿80,000 | ฿30,000 |
| Top reward rate | 5X points | 4% | Up to 3% |
| Net value (moderate) | -฿900/yr | -฿1,089/yr | ฿170/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿500 | — | — |
More Citibank Rewards comparisons
- Citibank Rewards vs BBL Platinum Leader
- Citibank Rewards vs Bangkok Bank Be Smart
- Citibank Rewards vs Bangkok Bank M PRESTIGE
- Citibank Rewards vs Bangkok Bank Platinum
- Citibank Rewards vs Citi PremierMiles
- Citibank Rewards vs HSBC Advance Credit Card
- Citibank Rewards vs HSBC Premier World Mastercard
- Citibank Rewards vs KBank Makro Platinum
- Citibank Rewards vs KBank Platinum Plus
- Citibank Rewards vs KBank Prestige
- Citibank Rewards vs KBank Rabbit LINE Pay
- Citibank Rewards vs KBank Secured Card