Which card has the lower annual fee?

SCB M LIFESTYLE has the lowest annual fee at ฿999.

Which card earns more on moderate spend?

SCB M LIFESTYLE leads with an estimated ฿3,891/yr net annual value on moderate spend.

Which card has the lower income requirement?

SCB M LIFESTYLE lists a minimum monthly income of ฿20,000.

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 M LIFESTYLE vs UOB Premier

Honest side-by-side comparison of HSBC Advance Credit Card, SCB M LIFESTYLE, UOB Premier — 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 M LIFESTYLE ranks first for estimated net annual value — ahead of UOB Premier by about ฿3,790/yr.

HSBC Advance Credit Card vs SCB M LIFESTYLE vs UOB Premier comparison table
Feature	HSBC Advance Credit Card HSBC	SCB M LIFESTYLE SCB	UOB Premier UOB
Annual fee	฿5,000	฿999	฿4,999
Min income (monthly)	฿45,000	฿20,000	฿45,000
Top reward rate	2%	Up to 5%	5%
Net annual value (moderate spend)	-฿2,330/yr	฿3,891/yr	฿101/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿300	—

Frequently asked questions

Which card has the lower annual fee?: SCB M LIFESTYLE has the lowest annual fee at ฿999.
Which card earns more on moderate spend?: SCB M LIFESTYLE leads with an estimated ฿3,891/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB M LIFESTYLE lists a minimum monthly income of ฿20,000.
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	SCBGold SCB M LIFESTYLE •••• •••• •••• 4242 Quick facts SCB M LIFESTYLE Top rewardUp to 5% Annual fee฿999 Min income฿20,000/mo Tap to flip back SCB M LIFESTYLE SCB	UOBPlatinum UOB Premier •••• •••• •••• 4242 Quick facts UOB Premier Top reward5% Annual fee฿4,999 Min income฿45,000/mo Tap to flip back UOB Premier UOB
Annual fee	฿5,000	฿999	฿4,999
Min income	฿45,000	฿20,000	฿45,000
Top reward rate	2%	Up to 5%	5%
Net value (moderate)	-฿2,330/yr	฿3,891/yr	฿101/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿300	—

HSBC Advance Credit Card details →SCB M LIFESTYLE details →UOB Premier details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Advance Credit Card comparisons