Side-by-side · honest numbers
KTC X Visa Signature vs SCB JCB Platinum
Honest side-by-side comparison of KTC X Visa Signature, 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
KTC X Visa Signature
KTC
SCB JCB Platinum
SCB
Your adjusted comparison
| Feature | KTC X Visa Signature KTC | SCB JCB Platinum SCB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿5,000 | ฿2,500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿50,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿4,730/yr | ฿1,010/yr |
| Online shopping | ฿5,000 → 100 pts/mo × ฿0.25/pt = ฿25/mo (฿300/yr) | ฿5,000 × 3% = ฿150/mo (฿1,800/yr) |
| Dining & delivery | ฿3,000 → 60 pts/mo × ฿0.25/pt = ฿15/mo (฿180/yr) | — |
| Top reward rate | 3X Forever (when fee paid) | 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 | — | — |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/th/en/compare/ktc-x-visa-signature-vs-scb-jcb-platinumReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SCB JCB Platinum leads KTC X Visa Signature by about ฿5,740/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
| Feature | KTC X Visa Signature KTC | SCB JCB Platinum SCB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿5,000 | ฿2,500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿50,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿4,730/yr | ฿1,010/yr |
| Online shopping | ฿5,000 → 100 pts/mo × ฿0.25/pt = ฿25/mo (฿300/yr) | ฿5,000 × 3% = ฿150/mo (฿1,800/yr) |
| Dining & delivery | ฿3,000 → 60 pts/mo × ฿0.25/pt = ฿15/mo (฿180/yr) | — |
| Top reward rate | 3X Forever (when fee paid) | 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?
- SCB JCB Platinum has the lowest annual fee at ฿2,500.
- 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?
- SCB JCB Platinum lists a minimum monthly income of ฿30,000.
- 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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