Side-by-side · honest numbers
HSBC Advance Credit Card vs Krungsri Lady vs SCB Miles
Honest side-by-side comparison of HSBC Advance Credit Card, Krungsri Lady, SCB Miles — 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, Krungsri Lady ranks first for estimated net annual value — ahead of SCB Miles by about ฿3,805/yr.
| Feature | HSBC Advance Credit Card HSBC | Krungsri Lady Krungsri | SCB Miles SCB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿990 | ฿1,990 |
| Min income (monthly) | ฿45,000 | ฿18,000 | ฿25,000 |
| Top reward rate | 2% | 5% | 3 miles/฿25 |
| Net annual value (moderate spend) | -฿2,330/yr | ฿2,460/yr | -฿1,345/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ฿300 | ฿500 |
Frequently asked questions
- Which card has the lower annual fee?
- Krungsri Lady has the lowest annual fee at ฿990.
- Which card earns more on moderate spend?
- Krungsri Lady leads with an estimated ฿2,460/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungsri Lady lists a minimum monthly income of ฿18,000.
- 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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Your adjusted comparison
| Feature | HSBCPlatinum HSBC Advance Credit Card •••• •••• •••• 4242 Quick facts HSBC Advance Credit Card Top reward2% Annual fee฿5,000 Min income฿45,000/mo Tap to flip back HSBC Advance Credit Card HSBC | KrungsriGold Krungsri Lady •••• •••• •••• 4242 Quick facts Krungsri Lady Top reward5% Annual fee฿990 Min income฿18,000/mo Tap to flip back Krungsri Lady Krungsri | SCBGold SCB Miles •••• •••• •••• 4242 Quick facts SCB Miles Top reward3 miles/฿25 Annual fee฿1,990 Min income฿25,000/mo Tap to flip back SCB Miles SCB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿990 | ฿1,990 |
| Min income | ฿45,000 | ฿18,000 | ฿25,000 |
| Top reward rate | 2% | 5% | 3 miles/฿25 |
| Net value (moderate) | -฿2,330/yr | ฿2,460/yr | -฿1,345/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ฿300 | ฿500 |
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