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OneSiam KBank Credit Card vs SCB FIRST

Honest side-by-side comparison of OneSiam KBank Credit Card, SCB FIRST — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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Spend assumptions

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

OneSiam KBank Credit Card

KBank

SCB FIRST

SCB

Your adjusted comparison

Feature
OneSiam KBank Credit Card

OneSiam KBank Credit Card

KBank

SCB FIRST credit card

SCB FIRST

SCB

Fees & eligibility
Annual fee฿3,999฿3,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿50,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿351/yr-฿129/yr
Online shopping฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo—
Dining & delivery—฿3,000 × 2% = ฿60/mo (฿720/yr)
Travel—฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo
Top reward rateBoosted / fee-waiver path3% cashback
Primary reward cap฿2,000 rewards/mo cap฿6,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneSCB First lounge network access at select airports · Bundled with SCB First banking relationship
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · 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.

OneSiam KBank Credit Card details →SCB FIRST details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, OneSiam KBank Credit Card leads SCB FIRST by about ฿480/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

OneSiam KBank Credit Card vs SCB FIRST comparison table
FeatureOneSiam KBank Credit Card

KBank

SCB FIRST

SCB

Fees & eligibility
Annual fee฿3,999฿3,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿50,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿351/yr-฿129/yr
Online shopping฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿2,000/mo—
Dining & delivery—฿3,000 × 2% = ฿60/mo (฿720/yr)
Travel—฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo
Top reward rateBoosted / fee-waiver path3% cashback
Primary reward cap฿2,000 rewards/mo cap฿6,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneSCB First lounge network access at select airports · Bundled with SCB First banking relationship
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
OneSiam KBank Credit Card has the lowest annual fee at ฿3,999.
Which card earns more on moderate spend?
OneSiam KBank Credit Card leads with an estimated ฿351/yr net annual value on moderate spend.
Which card has the lower income requirement?
OneSiam KBank Credit Card lists a minimum monthly income of ฿50,000.
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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