Which card has the lower annual fee?

HSBC Premier World Mastercard has the lowest annual fee at ฿4,500.

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 Premier World Mastercard lists a minimum monthly income of ฿40,000.

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 Ultra Platinum

Honest side-by-side comparison of HSBC Premier World Mastercard, 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 Premier World Mastercard by about ฿1,101/yr in estimated net value.

HSBC Premier World Mastercard vs SCB Ultra Platinum comparison table
Feature	HSBC Premier World Mastercard HSBC	SCB Ultra Platinum SCB
Annual fee	฿4,500	฿6,999
Min income (monthly)	฿40,000	฿80,000
Top reward rate	3%	4%
Net annual value (moderate spend)	-฿2,190/yr	-฿1,089/yr
Secured / FD-backed	No	No
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: HSBC Premier World Mastercard has the lowest annual fee at ฿4,500.
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 Premier World Mastercard lists a minimum monthly income of ฿40,000.
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	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	฿6,999
Min income	฿40,000	฿80,000
Top reward rate	3%	4%
Net value (moderate)	-฿2,190/yr	-฿1,089/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	—

HSBC Premier World Mastercard details →SCB Ultra Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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