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Krungsri Visa Platinum vs SCB FIRST

Honest side-by-side comparison of Krungsri Visa Platinum, 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.

Krungsri Visa Platinum

Krungsri

SCB FIRST

SCB

Your adjusted comparison

Feature
Krungsri Visa Platinum credit card

Krungsri Visa Platinum

Krungsri

SCB FIRST credit card

SCB FIRST

SCB

Fees & eligibility
Annual feeLifetime free฿3,999
Fee waiver thresholdLifetime freeNo waiver published
Min income฿12,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿705/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 rate0.5% cashback3% cashback
Primary reward capNo monthly cap published฿6,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneSCB First lounge network access at select airports · Bundled with SCB First banking relationship
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 Visa Platinum details →SCB FIRST details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungsri Visa Platinum leads SCB FIRST by about ฿834/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 Visa Platinum vs SCB FIRST comparison table
FeatureKrungsri Visa Platinum

Krungsri

SCB FIRST

SCB

Fees & eligibility
Annual feeLifetime free฿3,999
Fee waiver thresholdLifetime freeNo waiver published
Min income฿12,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿705/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 rate0.5% cashback3% cashback
Primary reward capNo monthly cap published฿6,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneSCB First lounge network access at select airports · Bundled with SCB First banking relationship
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 Visa Platinum has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
Krungsri Visa Platinum leads with an estimated ฿705/yr net annual value on moderate spend.
Which card has the lower income requirement?
Krungsri Visa Platinum lists a minimum monthly income of ฿12,000.
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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