Which card has the lower annual fee?

KTC Visa Platinum has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SCB JCB Platinum leads with an estimated ฿1,010/yr net annual value on moderate spend.

Which card has the lower income requirement?

KTC Visa Platinum 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

KTC Visa Platinum vs SCB JCB Platinum

Honest side-by-side comparison of KTC Visa Platinum, SCB JCB Platinum — 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.

Card 1

KTC Visa Platinum

KTC

Card 2

SCB JCB Platinum

SCB

Your adjusted comparison

Feature	KTC Visa Platinum KTC	SCB JCB Platinum SCB
Fees & eligibility
Annual fee	Lifetime free	฿2,500
Fee waiver threshold	Lifetime free	No waiver published
Min income	฿15,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿50/yr	฿1,010/yr
Online shopping	—	฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Top reward rate	1 KTC Forever / ฿25 equiv.	3%
Primary reward cap	No monthly cap published	฿3,000 rewards/mo cap
Perks & restrictions
Lounge access	None	JCB lounge access in Japan and select international airports · No minimum spend required for lounge access
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · 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.

KTC Visa Platinum details →SCB JCB Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB JCB Platinum leads KTC Visa Platinum by about ฿1,060/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

KTC Visa Platinum vs SCB JCB Platinum comparison table
Feature	KTC Visa Platinum KTC	SCB JCB Platinum SCB
Fees & eligibility
Annual fee	Lifetime free	฿2,500
Fee waiver threshold	Lifetime free	No waiver published
Min income	฿15,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿50/yr	฿1,010/yr
Online shopping	—	฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Top reward rate	1 KTC Forever / ฿25 equiv.	3%
Primary reward cap	No monthly cap published	฿3,000 rewards/mo cap
Perks & restrictions
Lounge access	None	JCB lounge access in Japan and select international airports · No minimum spend required for lounge access
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: KTC Visa Platinum has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SCB JCB Platinum leads with an estimated ฿1,010/yr net annual value on moderate spend.
Which card has the lower income requirement?: KTC Visa Platinum 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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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