Which card has the lower annual fee?

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

Which card earns more on moderate spend?

UOB Premier leads with an estimated ฿101/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 Prestige vs SCB Miles vs UOB Premier

Honest side-by-side comparison of KBank Prestige, SCB Miles, UOB Premier — 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, UOB Premier ranks first for estimated net annual value — ahead of KBank Prestige by about ฿1,390/yr.

KBank Prestige vs SCB Miles vs UOB Premier comparison table
Feature	KBank Prestige KBank	SCB Miles SCB	UOB Premier UOB
Annual fee	฿5,999	฿1,990	฿4,999
Min income (monthly)	฿60,000	฿25,000	฿45,000
Top reward rate	4%	3 miles/฿25	5%
Net annual value (moderate spend)	-฿1,289/yr	-฿1,345/yr	฿101/yr
Secured / FD-backed	No	No	No
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?: UOB Premier leads with an estimated ฿101/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

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

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Your adjusted comparison

Feature	KBankPlatinum KBank Prestige •••• •••• •••• 4242 Quick facts KBank Prestige Top reward4% Annual fee฿5,999 Min income฿60,000/mo Tap to flip back KBank Prestige KBank	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	UOBPlatinum UOB Premier •••• •••• •••• 4242 Quick facts UOB Premier Top reward5% Annual fee฿4,999 Min income฿45,000/mo Tap to flip back UOB Premier UOB
Annual fee	฿5,999	฿1,990	฿4,999
Min income	฿60,000	฿25,000	฿45,000
Top reward rate	4%	3 miles/฿25	5%
Net value (moderate)	-฿1,289/yr	-฿1,345/yr	฿101/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿500	—

KBank Prestige details →SCB Miles details →UOB Premier details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Prestige comparisons