Which card has the lower annual fee?

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

Which card earns more on moderate spend?

KTC Visa Signature leads with an estimated -฿20/yr net annual value on moderate spend.

Which card has the lower income requirement?

KTC Visa Signature lists a minimum monthly income of ฿50,000.

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 Signature vs SCB Prime

Honest side-by-side comparison of KTC Visa Signature, SCB Prime — 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 Signature

KTC

Card 2

SCB Prime

SCB

Your adjusted comparison

Feature	KTC Visa Signature KTC	SCB Prime SCB
Fees & eligibility
Annual fee	Lifetime free	฿4,999
Fee waiver threshold	Lifetime free	No waiver published
Min income	฿50,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿20/yr	-฿2,329/yr
Travel	—	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate	2X KTC Forever (modeled)	3%
Primary reward cap	No monthly cap published	฿5,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Airport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
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 Signature details →SCB Prime details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, KTC Visa Signature leads SCB Prime by about ฿2,309/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 Signature vs SCB Prime comparison table
Feature	KTC Visa Signature KTC	SCB Prime SCB
Fees & eligibility
Annual fee	Lifetime free	฿4,999
Fee waiver threshold	Lifetime free	No waiver published
Min income	฿50,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿20/yr	-฿2,329/yr
Travel	—	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate	2X KTC Forever (modeled)	3%
Primary reward cap	No monthly cap published	฿5,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Airport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
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 Signature has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: KTC Visa Signature leads with an estimated -฿20/yr net annual value on moderate spend.
Which card has the lower income requirement?: KTC Visa Signature lists a minimum monthly income of ฿50,000.
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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