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?

Standard Chartered Journey leads with an estimated -฿380/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.

Side-by-side · honest numbers

HSBC Premier World Mastercard vs Standard Chartered Journey vs SCB Ultra Platinum

Honest side-by-side comparison of HSBC Premier World Mastercard, Standard Chartered Journey, 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, Standard Chartered Journey ranks first for estimated net annual value — ahead of SCB Ultra Platinum by about ฿709/yr.

HSBC Premier World Mastercard vs Standard Chartered Journey vs SCB Ultra Platinum comparison table
Feature	HSBC Premier World Mastercard HSBC	Standard Chartered Journey Standard Chartered	SCB Ultra Platinum SCB
Annual fee	฿4,500	฿3,500	฿6,999
Min income (monthly)	฿40,000	฿30,000	฿80,000
Top reward rate	3%	3%	4%
Net annual value (moderate spend)	-฿2,190/yr	-฿380/yr	-฿1,089/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?: Standard Chartered Journey leads with an estimated -฿380/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.

Customize your spend

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

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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 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	฿4,500	฿3,500	฿6,999
Min income	฿40,000	฿30,000	฿80,000
Top reward rate	3%	3%	4%
Net value (moderate)	-฿2,190/yr	-฿380/yr	-฿1,089/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

HSBC Premier World Mastercard details →Standard Chartered Journey details →SCB Ultra Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Premier World Mastercard comparisons