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Krungsri NOW vs SCB Private Banking Infinite

Honest side-by-side comparison of Krungsri NOW, SCB Private Banking Infinite — 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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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.

Krungsri NOW

Krungsri

SCB Private Banking Infinite

SCB

Your adjusted comparison

Feature
Krungsri NOW credit card

Krungsri NOW

Krungsri

SCB Private Banking Infinite credit card

SCB Private Banking Infinite

SCB

Fees & eligibility
Annual fee฿599฿20,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿15,000/mo฿150,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿2,686/yr-฿14,570/yr
Online shopping฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo—
Travel—฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿20,000/mo
Utilities & bills฿1,500 × 2% = ฿30/mo (฿360/yr)—
Top reward rate3% cashback5%
Primary reward cap฿1,000 rewards/mo cap฿20,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneUnlimited lounge access for private banking tier · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿100—

Stack mode (hold both)

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

Krungsri NOW details →SCB Private Banking Infinite details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungsri NOW leads SCB Private Banking Infinite by about ฿17,256/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 NOW vs SCB Private Banking Infinite comparison table
FeatureKrungsri NOW

Krungsri

SCB Private Banking Infinite

SCB

Fees & eligibility
Annual fee฿599฿20,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿15,000/mo฿150,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿2,686/yr-฿14,570/yr
Online shopping฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿1,000/mo—
Travel—฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿20,000/mo
Utilities & bills฿1,500 × 2% = ฿30/mo (฿360/yr)—
Top reward rate3% cashback5%
Primary reward cap฿1,000 rewards/mo cap฿20,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneUnlimited lounge access for private banking tier · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿100—

Frequently asked questions

Which card has the lower annual fee?
Krungsri NOW has the lowest annual fee at ฿599.
Which card earns more on moderate spend?
Krungsri NOW leads with an estimated ฿2,686/yr net annual value on moderate spend.
Which card has the lower income requirement?
Krungsri NOW 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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