Side-by-side · honest numbers
HSBC Advance Credit Card vs Standard Chartered Journey vs UOB ONE Card (Thailand)
Honest side-by-side comparison of HSBC Advance Credit Card, Standard Chartered Journey, 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 Standard Chartered Journey by about ฿550/yr.
| Feature | HSBC Advance Credit Card HSBC | Standard Chartered Journey Standard Chartered | UOB ONE Card (Thailand) UOB |
|---|---|---|---|
| Annual fee | ฿5,000 | ฿3,500 | ฿2,500 |
| Min income (monthly) | ฿45,000 | ฿30,000 | ฿30,000 |
| Top reward rate | 2% | 3% | Up to 3% |
| Net annual value (moderate spend) | -฿2,330/yr | -฿380/yr | ฿170/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- UOB ONE Card (Thailand) has the lowest annual fee at ฿2,500.
- 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?
- 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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Change spend profile or swap cards — results update live below.
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 | 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 | ฿5,000 | ฿3,500 | ฿2,500 |
| Min income | ฿45,000 | ฿30,000 | ฿30,000 |
| Top reward rate | 2% | 3% | Up to 3% |
| Net value (moderate) | -฿2,330/yr | -฿380/yr | ฿170/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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