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?

SCB JCB Platinum leads with an estimated ฿1,010/yr net annual value on moderate spend.

Which card has the lower income requirement?

SCB JCB Platinum lists a minimum monthly income of ฿30,000.

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 SCB JCB Platinum vs SCB Private Banking Infinite

Honest side-by-side comparison of KBank Secured Card, SCB JCB Platinum, SCB Private Banking Infinite — 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, SCB JCB Platinum ranks first for estimated net annual value — ahead of KBank Secured Card by about ฿260/yr.

KBank Secured Card vs SCB JCB Platinum vs SCB Private Banking Infinite comparison table
Feature	KBank Secured Card KBank	SCB JCB Platinum SCB	SCB Private Banking Infinite SCB
Annual fee	฿0	฿2,500	฿20,000
Min income (monthly)	Not stated	฿30,000	฿150,000
Top reward rate	0.5% cashback	3%	5%
Net annual value (moderate spend)	฿750/yr	฿1,010/yr	-฿13,700/yr
Secured / FD-backed	Yes	No	No
Signup bonus	—	—	—

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?: SCB JCB Platinum leads with an estimated ฿1,010/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB JCB Platinum lists a minimum monthly income of ฿30,000.
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	SCBPlatinum SCB JCB Platinum •••• •••• •••• 4242 Quick facts SCB JCB Platinum Top reward3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back SCB JCB Platinum SCB	SCBMetal SCB Private Banking Infinite •••• •••• •••• 4242 Quick facts SCB Private Banking Infinite Top reward5% Annual fee฿20,000 Min income฿150,000/mo Tap to flip back SCB Private Banking Infinite SCB
Annual fee	฿0	฿2,500	฿20,000
Min income	Not stated	฿30,000	฿150,000
Top reward rate	0.5% cashback	3%	5%
Net value (moderate)	฿750/yr	฿1,010/yr	-฿13,700/yr
Secured / no bureau	FD-backed	Standard	Standard
Signup bonus	—	—	—

KBank Secured Card details →SCB JCB Platinum details →SCB Private Banking Infinite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank Secured Card comparisons