Which card has the lower annual fee?

KBank JCB Platinum has the lowest annual fee at ฿2,999.

Which card earns more on moderate spend?

SCB Prime leads with an estimated -฿2,329/yr net annual value on moderate spend.

Which card has the lower income requirement?

KBank JCB Platinum 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

KBank JCB Platinum vs SCB Prime

Honest side-by-side comparison of KBank JCB Platinum, SCB Prime — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

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

Spend assumptions

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

Card 1

KBank JCB Platinum

KBank

Card 2

SCB Prime

SCB

Your adjusted comparison

Feature	KBank JCB Platinum KBank	SCB Prime SCB
Fees & eligibility
Annual fee	฿2,999	฿4,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿3,173/yr	-฿2,329/yr
Travel	฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr)	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate	Boosted K Point (modeled 2X)	3%
Primary reward cap	No monthly cap published	฿5,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Airport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · 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.

KBank JCB Platinum details →SCB Prime details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB Prime leads KBank JCB Platinum by about ฿844/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

KBank JCB Platinum vs SCB Prime comparison table
Feature	KBank JCB Platinum KBank	SCB Prime SCB
Fees & eligibility
Annual fee	฿2,999	฿4,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿3,173/yr	-฿2,329/yr
Travel	฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr)	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate	Boosted K Point (modeled 2X)	3%
Primary reward cap	No monthly cap published	฿5,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Airport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: KBank JCB Platinum has the lowest annual fee at ฿2,999.
Which card earns more on moderate spend?: SCB Prime leads with an estimated -฿2,329/yr net annual value on moderate spend.
Which card has the lower income requirement?: KBank JCB Platinum 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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More KBank JCB Platinum comparisons