Which card has the lower annual fee?

SCB JCB Platinum has the lowest annual fee at ฿2,500.

Which card earns more on moderate spend?

SCB JCB Platinum leads with an estimated ฿1,010/yr net annual value on moderate spend.

Which card has the lower income requirement?

SCB JCB Platinum 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.

Side-by-side · honest numbers

HSBC Advance Credit Card vs SCB JCB Platinum vs UOB ONE Card (Thailand)

Honest side-by-side comparison of HSBC Advance Credit Card, SCB JCB 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, SCB JCB Platinum ranks first for estimated net annual value — ahead of UOB ONE Card (Thailand) by about ฿840/yr.

HSBC Advance Credit Card vs SCB JCB Platinum vs UOB ONE Card (Thailand) comparison table
Feature	HSBC Advance Credit Card HSBC	SCB JCB Platinum SCB	UOB ONE Card (Thailand) UOB
Annual fee	฿5,000	฿2,500	฿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	฿1,010/yr	฿170/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: SCB JCB Platinum has the lowest annual fee at ฿2,500.
Which card earns more on moderate spend?: SCB JCB Platinum leads with an estimated ฿1,010/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB JCB Platinum 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.

Customize your spend

Change spend profile or swap cards — results update live below.

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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	SCBPlatinum SCB JCB Platinum •••• •••• •••• 4242 Quick facts SCB JCB Platinum Top reward3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back SCB JCB 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	฿5,000	฿2,500	฿2,500
Min income	฿45,000	฿30,000	฿30,000
Top reward rate	2%	3%	Up to 3%
Net value (moderate)	-฿2,330/yr	฿1,010/yr	฿170/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

HSBC Advance Credit Card details →SCB JCB Platinum details →UOB ONE Card (Thailand) details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Advance Credit Card comparisons