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Krungsri AIA Visa Platinum vs SCB Prime

Honest side-by-side comparison of Krungsri AIA Visa Platinum, SCB Prime — 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.

Krungsri AIA Visa Platinum

Krungsri

SCB Prime

SCB

Your adjusted comparison

Feature
Krungsri AIA Visa Platinum credit card

Krungsri AIA Visa Platinum

Krungsri

SCB Prime credit card

SCB Prime

SCB

Fees & eligibility
Annual fee฿3,500฿4,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿30,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿3,719/yr-฿2,329/yr
Travel฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr)฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate2 pts/฿1503%
Primary reward capNo monthly cap published฿5,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneAirport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · 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.

Krungsri AIA Visa Platinum details →SCB Prime details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB Prime leads Krungsri AIA Visa Platinum by about ฿1,390/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

Krungsri AIA Visa Platinum vs SCB Prime comparison table
FeatureKrungsri AIA Visa Platinum

Krungsri

SCB Prime

SCB

Fees & eligibility
Annual fee฿3,500฿4,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿30,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿3,719/yr-฿2,329/yr
Travel฿3,000 → 40 pts/mo × ฿0.15/pt = ฿6/mo (฿72/yr)฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate2 pts/฿1503%
Primary reward capNo monthly cap published฿5,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneAirport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
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?
Krungsri AIA Visa Platinum has the lowest annual fee at ฿3,500.
Which card earns more on moderate spend?
SCB Prime leads with an estimated -฿2,329/yr net annual value on moderate spend.
Which card has the lower income requirement?
Krungsri AIA Visa 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.

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