Side-by-side · honest numbers
KBank X vs SCB JCB Platinum
Honest side-by-side comparison of KBank X, 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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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
KBank X
KBank
SCB JCB Platinum
SCB
Your adjusted comparison
| Feature | KBank X KBank | SCB JCB Platinum SCB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿599 | ฿2,500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿15,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿6,991/yr | ฿1,010/yr |
| Online shopping | ฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo | ฿5,000 × 3% = ฿150/mo (฿1,800/yr) |
| Dining & delivery | ฿3,000 × 10% = ฿300/mo (฿3,600/yr) · issuer max ฿1,000/mo | — |
| Top reward rate | Up to 10% | 3% |
| Primary reward cap | ฿1,000 rewards/mo cap | ฿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 | ฿500 | — |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/th/en/compare/kbank-x-vs-scb-jcb-platinumReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, KBank X leads SCB JCB Platinum by about ฿5,981/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
| Feature | KBank X KBank | SCB JCB Platinum SCB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿599 | ฿2,500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿15,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿6,991/yr | ฿1,010/yr |
| Online shopping | ฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿1,000/mo | ฿5,000 × 3% = ฿150/mo (฿1,800/yr) |
| Dining & delivery | ฿3,000 × 10% = ฿300/mo (฿3,600/yr) · issuer max ฿1,000/mo | — |
| Top reward rate | Up to 10% | 3% |
| Primary reward cap | ฿1,000 rewards/mo cap | ฿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 | ฿500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- KBank X has the lowest annual fee at ฿599.
- Which card earns more on moderate spend?
- KBank X leads with an estimated ฿6,991/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- KBank X lists a minimum monthly income of ฿15,000.
- 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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