Side-by-side · honest numbers
Krungsri Lady vs Standard Chartered Journey vs SCB Ultra Platinum
Honest side-by-side comparison of Krungsri Lady, Standard Chartered Journey, SCB Ultra Platinum — 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, Krungsri Lady ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿2,840/yr.
| Feature | Krungsri Lady Krungsri | Standard Chartered Journey Standard Chartered | SCB Ultra Platinum SCB |
|---|---|---|---|
| Annual fee | ฿990 | ฿3,500 | ฿6,999 |
| Min income (monthly) | ฿18,000 | ฿30,000 | ฿80,000 |
| Top reward rate | 5% | 3% | 4% |
| Net annual value (moderate spend) | ฿2,460/yr | -฿380/yr | -฿1,089/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ฿300 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Krungsri Lady has the lowest annual fee at ฿990.
- Which card earns more on moderate spend?
- Krungsri Lady leads with an estimated ฿2,460/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungsri Lady lists a minimum monthly income of ฿18,000.
- 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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Your adjusted comparison
| Feature | KrungsriGold Krungsri Lady •••• •••• •••• 4242 Quick facts Krungsri Lady Top reward5% Annual fee฿990 Min income฿18,000/mo Tap to flip back Krungsri Lady Krungsri | 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 | SCBPlatinum SCB Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB |
|---|---|---|---|
| Annual fee | ฿990 | ฿3,500 | ฿6,999 |
| Min income | ฿18,000 | ฿30,000 | ฿80,000 |
| Top reward rate | 5% | 3% | 4% |
| Net value (moderate) | ฿2,460/yr | -฿380/yr | -฿1,089/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ฿300 | — | — |
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