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.

Side-by-side · honest numbers

Krungthai Pearl Credit Card vs SCB Miles vs SCB Ultra Platinum

Honest side-by-side comparison of Krungthai Pearl Credit Card, SCB Miles, 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, Krungthai Pearl Credit Card ranks first for estimated net annual value — ahead of SCB Ultra Platinum by about ฿2,019/yr.

Krungthai Pearl Credit Card vs SCB Miles vs SCB Ultra Platinum comparison table
Feature	Krungthai Pearl Credit Card Krungthai	SCB Miles SCB	SCB Ultra Platinum SCB
Annual fee	฿1,200	฿1,990	฿6,999
Min income (monthly)	฿15,000	฿25,000	฿80,000
Top reward rate	2%	3 miles/฿25	4%
Net annual value (moderate spend)	฿930/yr	-฿1,345/yr	-฿1,089/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿500	—

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.

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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	SCBGold SCB Miles •••• •••• •••• 4242 Quick facts SCB Miles Top reward3 miles/฿25 Annual fee฿1,990 Min income฿25,000/mo Tap to flip back SCB Miles SCB	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	฿1,200	฿1,990	฿6,999
Min income	฿15,000	฿25,000	฿80,000
Top reward rate	2%	3 miles/฿25	4%
Net value (moderate)	฿930/yr	-฿1,345/yr	-฿1,089/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿500	—

Krungthai Pearl Credit Card details →SCB Miles details →SCB Ultra Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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