Which card has the lower annual fee?

SCB Miles has the lowest annual fee at ฿1,990.

Which card earns more on moderate spend?

KBank World Rewards Mastercard leads with an estimated ฿920/yr net annual value on moderate spend.

Which card has the lower income requirement?

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

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 World Rewards Mastercard vs Standard Chartered Journey vs SCB Miles

Honest side-by-side comparison of KBank World Rewards Mastercard, 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 World Rewards Mastercard ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿1,300/yr.

KBank World Rewards Mastercard vs Standard Chartered Journey vs SCB Miles comparison table
Feature	KBank World Rewards Mastercard KBank	Standard Chartered Journey Standard Chartered	SCB Miles SCB
Annual fee	฿2,500	฿3,500	฿1,990
Min income (monthly)	฿30,000	฿30,000	฿25,000
Top reward rate	3%	3%	3 miles/฿25
Net annual value (moderate spend)	฿920/yr	-฿380/yr	-฿1,345/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	฿500

Frequently asked questions

Which card has the lower annual fee?: SCB Miles has the lowest annual fee at ฿1,990.
Which card earns more on moderate spend?: KBank World Rewards Mastercard leads with an estimated ฿920/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB Miles lists a minimum monthly income of ฿25,000.
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

Change spend profile or swap cards — results update live below.

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Your adjusted comparison

Feature	KBankPlatinum KBank World Rewards Mastercard •••• •••• •••• 4242 Quick facts KBank World Rewards Mastercard Top reward3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back KBank World Rewards Mastercard 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	฿2,500	฿3,500	฿1,990
Min income	฿30,000	฿30,000	฿25,000
Top reward rate	3%	3%	3 miles/฿25
Net value (moderate)	฿920/yr	-฿380/yr	-฿1,345/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	฿500

KBank World Rewards Mastercard details →Standard Chartered Journey details →SCB Miles details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More KBank World Rewards Mastercard comparisons