Side-by-side · honest numbers
HSBC Advance Credit Card vs Standard Chartered Journey vs SCB Private Banking Infinite
Honest side-by-side comparison of HSBC Advance Credit Card, Standard Chartered Journey, SCB Private Banking Infinite — 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, Standard Chartered Journey ranks first for estimated net annual value — ahead of HSBC Advance Credit Card by about ฿1,950/yr.
| Feature | HSBC Advance Credit Card HSBC | Standard Chartered Journey Standard Chartered | SCB Private Banking Infinite SCB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿3,500 | ฿20,000 |
| Min income (monthly) | ฿45,000 | ฿30,000 | ฿150,000 |
| Top reward rate | 2% | 3% | 5% |
| Net annual value (moderate spend) | -฿2,330/yr | -฿380/yr | -฿13,700/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Standard Chartered Journey has the lowest annual fee at ฿3,500.
- Which card earns more on moderate spend?
- Standard Chartered Journey leads with an estimated -฿380/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Standard Chartered Journey lists a minimum monthly income of ฿30,000.
- 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 | Standard CharteredPlatinum Standard Chartered Journey •••• •••• •••• 4242 Quick facts Standard Chartered Journey Top reward3% Annual fee฿3,500 Min income฿30,000/mo Tap to flip back Standard Chartered Journey Standard Chartered | SCBMetal SCB Private Banking Infinite •••• •••• •••• 4242 Quick facts SCB Private Banking Infinite Top reward5% Annual fee฿20,000 Min income฿150,000/mo Tap to flip back SCB Private Banking Infinite SCB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿3,500 | ฿20,000 |
| Min income | ฿45,000 | ฿30,000 | ฿150,000 |
| Top reward rate | 2% | 3% | 5% |
| Net value (moderate) | -฿2,330/yr | -฿380/yr | -฿13,700/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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