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KBank Blue Credit Card vs SCB JCB Platinum

Honest side-by-side comparison of KBank Blue Credit Card, SCB JCB 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

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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.

KBank Blue Credit Card

KBank

SCB JCB Platinum

SCB

Your adjusted comparison

Feature
KBank Blue Credit Card

KBank Blue Credit Card

KBank

SCB JCB Platinum credit card

SCB JCB Platinum

SCB

Fees & eligibility
Annual fee฿699Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income฿18,000/mo฿30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿2,211/yr฿3,510/yr
Online shopping—฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Fuel฿2,000 × 5% = ฿100/mo (฿1,200/yr) · issuer max ฿800/mo—
Top reward rate5%3%
Primary reward cap฿800 rewards/mo cap฿3,000 rewards/mo cap
Perks & restrictions
Lounge accessNoneJCB lounge access in Japan and select international airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~฿3,771/yr combined NAV (฿261 vs best solo). Both annual fees apply.

KBank Blue Credit Card details →SCB JCB Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB JCB Platinum leads KBank Blue Credit Card by about ฿1,299/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 Blue Credit Card vs SCB JCB Platinum comparison table
FeatureKBank Blue Credit Card

KBank

SCB JCB Platinum

SCB

Fees & eligibility
Annual fee฿699Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income฿18,000/mo฿30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿2,211/yr฿3,510/yr
Online shopping—฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Fuel฿2,000 × 5% = ฿100/mo (฿1,200/yr) · issuer max ฿800/mo—
Top reward rate5%3%
Primary reward cap฿800 rewards/mo cap฿3,000 rewards/mo cap
Perks & restrictions
Lounge accessNoneJCB lounge access in Japan and select international airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SCB JCB Platinum 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 ฿3,510/yr net annual value on moderate spend.
Which card has the lower income requirement?
KBank Blue Credit Card lists a minimum monthly income of ฿18,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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