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HSBC Advance Credit Card vs UOB PRIVI Miles

Honest side-by-side comparison of HSBC Advance Credit Card, UOB PRIVI Miles — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HSBC Advance Credit Card

HSBC

UOB PRIVI Miles

UOB

Your adjusted comparison

Feature
HSBC Advance Credit Card

HSBC Advance Credit Card

HSBC

UOB PRIVI Miles credit card

UOB PRIVI Miles

UOB

Fees & eligibility
Annual fee฿5,000฿2,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿45,000/mo฿30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿2,744/yr-฿1,914/yr
Travel฿3,000 × 2% = ฿60/mo (฿720/yr) · issuer max ฿3,000/mo฿3,000 → 40 pts/mo × ฿0.35/pt = ฿14/mo (฿168/yr)
Top reward rate2%Boosted UOB Rewards (modeled 2X)
Primary reward cap฿3,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessAirport lounge access for HSBC Advance customers · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HSBC Advance Credit Card details →UOB PRIVI Miles details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, UOB PRIVI Miles leads HSBC Advance Credit Card by about ฿830/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ฿23,000/mo

฿23,000/month total spend — typical Thailand user

Online ฿5,000 · Groceries ฿4,000 · Dining ฿3,000 · Travel ฿3,000 · Other ฿3,000

HSBC Advance Credit Card vs UOB PRIVI Miles comparison table
FeatureHSBC Advance Credit Card

HSBC

UOB PRIVI Miles

UOB

Fees & eligibility
Annual fee฿5,000฿2,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿45,000/mo฿30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿2,744/yr-฿1,914/yr
Travel฿3,000 × 2% = ฿60/mo (฿720/yr) · issuer max ฿3,000/mo฿3,000 → 40 pts/mo × ฿0.35/pt = ฿14/mo (฿168/yr)
Top reward rate2%Boosted UOB Rewards (modeled 2X)
Primary reward cap฿3,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessAirport lounge access for HSBC Advance customers · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
UOB PRIVI Miles has the lowest annual fee at ฿2,000.
Which card earns more on moderate spend?
UOB PRIVI Miles leads with an estimated -฿1,914/yr net annual value on moderate spend.
Which card has the lower income requirement?
UOB PRIVI Miles 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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