Which card has the lower annual fee?

SCB JCB Platinum has the lowest annual fee at ฿2,500.

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.

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 THE PASSION vs SCB JCB Platinum

Honest side-by-side comparison of KBank THE PASSION, 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

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 THE PASSION

KBank

Card 2

SCB JCB Platinum

SCB

Your adjusted comparison

Feature	KBank THE PASSION KBank	SCB JCB Platinum SCB
Fees & eligibility
Annual fee	฿3,999	฿2,500
Fee waiver threshold	No waiver published	No waiver published
Min income	฿70,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿4,033/yr	฿1,010/yr
Online shopping	—	฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Travel	฿3,000 → 60 pts/mo × ฿0.20/pt = ฿12/mo (฿144/yr)	—
Top reward rate	Up to 3X K Point	3%
Primary reward cap	No monthly cap published	฿3,000 rewards/mo cap
Perks & restrictions
Lounge access	None	JCB lounge access in Japan and select international 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 THE PASSION 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 THE PASSION by about ฿5,043/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 THE PASSION vs SCB JCB Platinum comparison table
Feature	KBank THE PASSION KBank	SCB JCB Platinum SCB
Fees & eligibility
Annual fee	฿3,999	฿2,500
Fee waiver threshold	No waiver published	No waiver published
Min income	฿70,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿4,033/yr	฿1,010/yr
Online shopping	—	฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Travel	฿3,000 → 60 pts/mo × ฿0.20/pt = ฿12/mo (฿144/yr)	—
Top reward rate	Up to 3X K Point	3%
Primary reward cap	No monthly cap published	฿3,000 rewards/mo cap
Perks & restrictions
Lounge access	None	JCB lounge access in Japan and select international 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?: SCB JCB Platinum has the lowest annual fee at ฿2,500.
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.
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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