Which card has the lower annual fee?

Krungsri Cashback has the lowest annual fee at ฿699.

Which card earns more on moderate spend?

Krungsri Cashback leads with an estimated ฿6,006/yr net annual value on moderate spend.

Which card has the lower income requirement?

Krungsri Cashback 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.

Side-by-side · honest numbers

Krungsri Cashback vs SCB FIRST

Honest side-by-side comparison of Krungsri Cashback, SCB FIRST — 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

Krungsri Cashback

Krungsri

Card 2

SCB FIRST

SCB

Your adjusted comparison

Feature	Krungsri Cashback Krungsri	SCB FIRST SCB
Fees & eligibility
Annual fee	฿699	฿3,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿15,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿6,006/yr	-฿129/yr
Dining & delivery	—	฿3,000 × 2% = ฿60/mo (฿720/yr)
Travel	—	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo
Top reward rate	3%	3% cashback
Primary reward cap	฿2,000 rewards/mo cap	฿6,000 eligible spend/mo
Perks & restrictions
Lounge access	None	SCB First lounge network access at select airports · Bundled with SCB First banking relationship
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	฿200	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Krungsri Cashback details →SCB FIRST details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungsri Cashback leads SCB FIRST by about ฿6,135/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 Cashback vs SCB FIRST comparison table
Feature	Krungsri Cashback Krungsri	SCB FIRST SCB
Fees & eligibility
Annual fee	฿699	฿3,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿15,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿6,006/yr	-฿129/yr
Dining & delivery	—	฿3,000 × 2% = ฿60/mo (฿720/yr)
Travel	—	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo
Top reward rate	3%	3% cashback
Primary reward cap	฿2,000 rewards/mo cap	฿6,000 eligible spend/mo
Perks & restrictions
Lounge access	None	SCB First lounge network access at select airports · Bundled with SCB First banking relationship
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	฿200	—

Frequently asked questions

Which card has the lower annual fee?: Krungsri Cashback has the lowest annual fee at ฿699.
Which card earns more on moderate spend?: Krungsri Cashback leads with an estimated ฿6,006/yr net annual value on moderate spend.
Which card has the lower income requirement?: Krungsri Cashback 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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