Which card has the lower annual fee?

HSBC Advance Credit Card has the lowest annual fee at ฿5,000.

Which card earns more on moderate spend?

SCB Ultra Platinum leads with an estimated -฿1,089/yr net annual value on moderate spend.

Which card has the lower income requirement?

HSBC Advance Credit Card lists a minimum monthly income of ฿45,000.

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 Ultra Platinum

Honest side-by-side comparison of HSBC Advance Credit Card, SCB Ultra Platinum — 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 Ultra Platinum leads HSBC Advance Credit Card by about ฿1,241/yr in estimated net value.

HSBC Advance Credit Card vs SCB Ultra Platinum comparison table
Feature	HSBC Advance Credit Card HSBC	SCB Ultra Platinum SCB
Annual fee	฿5,000	฿6,999
Min income (monthly)	฿45,000	฿80,000
Top reward rate	2%	4%
Net annual value (moderate spend)	-฿2,330/yr	-฿1,089/yr
Secured / FD-backed	No	No
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: HSBC Advance Credit Card has the lowest annual fee at ฿5,000.
Which card earns more on moderate spend?: SCB Ultra Platinum leads with an estimated -฿1,089/yr net annual value on moderate spend.
Which card has the lower income requirement?: HSBC Advance Credit Card lists a minimum monthly income of ฿45,000.
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 Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB
Annual fee	฿5,000	฿6,999
Min income	฿45,000	฿80,000
Top reward rate	2%	4%
Net value (moderate)	-฿2,330/yr	-฿1,089/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	—

HSBC Advance Credit Card details →SCB Ultra Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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