Which card has the lower annual fee?

SCB Miles has the lowest annual fee at ฿1,990.

Which card earns more on moderate spend?

SCB Miles leads with an estimated ฿680/yr net annual value on moderate spend.

Which card has the lower income requirement?

SCB Miles lists a minimum monthly income of ฿25,000.

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 Platinum Plus vs KTC World Rewards Mastercard vs SCB Miles

Honest side-by-side comparison of KBank Platinum Plus, KTC World Rewards Mastercard, SCB Miles — 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 Platinum Plus

KBank

Card 2

KTC World Rewards Mastercard

KTC

Card 3

SCB Miles

SCB

Your adjusted comparison

Feature	KBank Platinum Plus KBank	KTC World Rewards Mastercard KTC	SCB Miles SCB
Fees & eligibility
Annual fee	฿2,999	฿2,500	฿1,990
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿35,000/mo	฿30,000/mo	฿25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿329/yr	฿254/yr	฿680/yr
Travel	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿3,000/mo	—	฿3,000 → 360 pts/mo × ฿0.25/pt = ฿90/mo (฿1,080/yr)
Top reward rate	3%	3%	3 miles/฿25
Primary reward cap	฿3,000 eligible spend/mo	฿5,000 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold	None	None
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	฿500

KBank Platinum Plus details →KTC World Rewards Mastercard details →SCB Miles details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB Miles ranks first for estimated net annual value — ahead of KTC World Rewards Mastercard by about ฿426/yr.

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 Platinum Plus vs KTC World Rewards Mastercard vs SCB Miles comparison table
Feature	KBank Platinum Plus KBank	KTC World Rewards Mastercard KTC	SCB Miles SCB
Fees & eligibility
Annual fee	฿2,999	฿2,500	฿1,990
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿35,000/mo	฿30,000/mo	฿25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿329/yr	฿254/yr	฿680/yr
Travel	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿3,000/mo	—	฿3,000 → 360 pts/mo × ฿0.25/pt = ฿90/mo (฿1,080/yr)
Top reward rate	3%	3%	3 miles/฿25
Primary reward cap	฿3,000 eligible spend/mo	฿5,000 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold	None	None
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	฿500

Frequently asked questions

Which card has the lower annual fee?: SCB Miles has the lowest annual fee at ฿1,990.
Which card earns more on moderate spend?: SCB Miles leads with an estimated ฿680/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB Miles lists a minimum monthly income of ฿25,000.
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 Platinum Plus comparisons