Side-by-side · honest numbers
Krungthai Pearl Credit Card vs Standard Chartered Journey vs SCB Private Banking Infinite
Honest side-by-side comparison of Krungthai Pearl Credit Card, Standard Chartered Journey, SCB Private Banking Infinite — 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, Krungthai Pearl Credit Card ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿1,310/yr.
| Feature | Krungthai Pearl Credit Card Krungthai | Standard Chartered Journey Standard Chartered | SCB Private Banking Infinite SCB |
|---|---|---|---|
| Annual fee | ฿1,200 | ฿3,500 | ฿20,000 |
| Min income (monthly) | ฿15,000 | ฿30,000 | ฿150,000 |
| Top reward rate | 2% | 3% | 5% |
| Net annual value (moderate spend) | ฿930/yr | -฿380/yr | -฿13,700/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Krungthai Pearl Credit Card has the lowest annual fee at ฿1,200.
- Which card earns more on moderate spend?
- Krungthai Pearl Credit Card leads with an estimated ฿930/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Krungthai Pearl Credit Card 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
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | KrungthaiGold Krungthai Pearl Credit Card •••• •••• •••• 4242 Quick facts Krungthai Pearl Credit Card Top reward2% Annual fee฿1,200 Min income฿15,000/mo Tap to flip back Krungthai Pearl Credit Card Krungthai | 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 | SCBMetal SCB Private Banking Infinite •••• •••• •••• 4242 Quick facts SCB Private Banking Infinite Top reward5% Annual fee฿20,000 Min income฿150,000/mo Tap to flip back SCB Private Banking Infinite SCB |
|---|---|---|---|
| Annual fee | ฿1,200 | ฿3,500 | ฿20,000 |
| Min income | ฿15,000 | ฿30,000 | ฿150,000 |
| Top reward rate | 2% | 3% | 5% |
| Net value (moderate) | ฿930/yr | -฿380/yr | -฿13,700/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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