Which card has the lower annual fee?

SCB K-Spect has the lowest annual fee at ฿799.

Which card earns more on moderate spend?

SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.

Which card has the lower income requirement?

SCB K-Spect lists a minimum monthly income of ฿15,000.

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 SCB K-Spect vs SCB Miles

Honest side-by-side comparison of HSBC Premier World Mastercard, SCB K-Spect, SCB Miles — 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 K-Spect ranks first for estimated net annual value — ahead of SCB Miles by about ฿4,896/yr.

HSBC Premier World Mastercard vs SCB K-Spect vs SCB Miles comparison table
Feature	HSBC Premier World Mastercard HSBC	SCB K-Spect SCB	SCB Miles SCB
Annual fee	฿4,500	฿799	฿1,990
Min income (monthly)	฿40,000	฿15,000	฿25,000
Top reward rate	3%	Up to 5%	3 miles/฿25
Net annual value (moderate spend)	-฿2,190/yr	฿3,551/yr	-฿1,345/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	฿500

Frequently asked questions

Which card has the lower annual fee?: SCB K-Spect has the lowest annual fee at ฿799.
Which card earns more on moderate spend?: SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB K-Spect lists a minimum monthly income of ฿15,000.
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	SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB	SCBGold SCB Miles •••• •••• •••• 4242 Quick facts SCB Miles Top reward3 miles/฿25 Annual fee฿1,990 Min income฿25,000/mo Tap to flip back SCB Miles SCB
Annual fee	฿4,500	฿799	฿1,990
Min income	฿40,000	฿15,000	฿25,000
Top reward rate	3%	Up to 5%	3 miles/฿25
Net value (moderate)	-฿2,190/yr	฿3,551/yr	-฿1,345/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	฿500

HSBC Premier World Mastercard details →SCB K-Spect details →SCB Miles details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Premier World Mastercard comparisons