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 Ultra Platinum lists a minimum monthly income of ฿80,000.

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 Ultra Platinum

Honest side-by-side comparison of KBank Secured Card, SCB Ultra Platinum — 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 Secured Card

KBank

Card 2

SCB Ultra Platinum

SCB

Your adjusted comparison

Feature	KBank Secured Card KBank	SCB Ultra Platinum SCB
Fees & eligibility
Annual fee	Lifetime free	฿6,999
Fee waiver threshold	Lifetime free	No waiver published
Min income	Not stated	฿80,000/mo
Secured / FD-backed	FD-backed	Standard
Rewards
Net annual value (moderate)	฿750/yr	-฿1,929/yr
Travel	—	฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿10,000/mo
Top reward rate	0.5% cashback	4%
Primary reward cap	No monthly cap published	฿10,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Unlimited lounge access at select airports · No minimum spend required for lounge access
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · 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.

KBank Secured Card details →SCB Ultra Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KBank Secured Card leads SCB Ultra Platinum by about ฿2,679/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

KBank Secured Card vs SCB Ultra Platinum comparison table
Feature	KBank Secured Card KBank	SCB Ultra Platinum SCB
Fees & eligibility
Annual fee	Lifetime free	฿6,999
Fee waiver threshold	Lifetime free	No waiver published
Min income	Not stated	฿80,000/mo
Secured / FD-backed	FD-backed	Standard
Rewards
Net annual value (moderate)	฿750/yr	-฿1,929/yr
Travel	—	฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿10,000/mo
Top reward rate	0.5% cashback	4%
Primary reward cap	No monthly cap published	฿10,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Unlimited lounge access at select airports · No minimum spend required for lounge access
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
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?: KBank Secured Card leads with an estimated ฿750/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB Ultra Platinum lists a minimum monthly income of ฿80,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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