Side-by-side · honest numbers
HSBC Premier World Mastercard vs Standard Chartered Journey vs SCB FIRST
Honest side-by-side comparison of HSBC Premier World Mastercard, Standard Chartered Journey, SCB FIRST — 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 FIRST ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿881/yr.
| Feature | HSBC Premier World Mastercard HSBC | Standard Chartered Journey Standard Chartered | SCB FIRST SCB |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿3,500 | ฿3,999 |
| Min income (monthly) | ฿40,000 | ฿30,000 | ฿50,000 |
| Top reward rate | 3% | 3% | 3% cashback |
| Net annual value (moderate spend) | -฿2,190/yr | -฿380/yr | ฿501/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Standard Chartered Journey has the lowest annual fee at ฿3,500.
- Which card earns more on moderate spend?
- SCB FIRST leads with an estimated ฿501/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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Your adjusted comparison
| Feature | HSBCPlatinum HSBC Premier World Mastercard •••• •••• •••• 4242 Quick facts HSBC Premier World Mastercard Top reward3% Annual fee฿4,500 Min income฿40,000/mo Tap to flip back HSBC Premier World Mastercard 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 | SCBPlatinum SCB FIRST •••• •••• •••• 4242 Quick facts SCB FIRST Top reward3% cashback Annual fee฿3,999 Min income฿50,000/mo Tap to flip back SCB FIRST SCB |
|---|---|---|---|
| Annual fee | ฿4,500 | ฿3,500 | ฿3,999 |
| Min income | ฿40,000 | ฿30,000 | ฿50,000 |
| Top reward rate | 3% | 3% | 3% cashback |
| Net value (moderate) | -฿2,190/yr | -฿380/yr | ฿501/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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