Which card has the lower annual fee?

KBank Secured Card has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

KBank Secured Card leads with an estimated ฿750/yr net annual value on moderate spend.

Which card has the lower income requirement?

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

Which cards are secured (FD-backed)?

KBank Secured Card is secured — useful for thin credit files without a bureau pull at application.

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 Secured Card vs Standard Chartered Journey vs SCB Miles

Honest side-by-side comparison of KBank Secured Card, Standard Chartered Journey, SCB Miles — 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, KBank Secured Card ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿1,130/yr.

KBank Secured Card vs Standard Chartered Journey vs SCB Miles comparison table
Feature	KBank Secured Card KBank	Standard Chartered Journey Standard Chartered	SCB Miles SCB
Annual fee	฿0	฿3,500	฿1,990
Min income (monthly)	Not stated	฿30,000	฿25,000
Top reward rate	0.5% cashback	3%	3 miles/฿25
Net annual value (moderate spend)	฿750/yr	-฿380/yr	-฿1,345/yr
Secured / FD-backed	Yes	No	No
Signup bonus	—	—	฿500

Frequently asked questions

Which card has the lower annual fee?: KBank Secured Card has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: KBank Secured Card leads with an estimated ฿750/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB Miles lists a minimum monthly income of ฿25,000.
Which cards are secured (FD-backed)?: KBank Secured Card is secured — useful for thin credit files without a bureau pull at application.
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	KBankClassic KBank Secured Card •••• •••• •••• 4242 Quick facts KBank Secured Card Top reward0.5% cashback Annual feeLifetime Free Tap to flip back KBank Secured Card KBank	Standard CharteredPlatinum Standard Chartered Journey •••• •••• •••• 4242 Quick facts Standard Chartered Journey Top reward3% Annual fee฿3,500 Min income฿30,000/mo Tap to flip back Standard Chartered Journey Standard Chartered	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
Annual fee	฿0	฿3,500	฿1,990
Min income	Not stated	฿30,000	฿25,000
Top reward rate	0.5% cashback	3%	3 miles/฿25
Net value (moderate)	฿750/yr	-฿380/yr	-฿1,345/yr
Secured / no bureau	FD-backed	Standard	Standard
Signup bonus	—	—	฿500

KBank Secured Card details →Standard Chartered Journey details →SCB Miles details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Secured Card comparisons