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KTC X Visa Signature vs SCB Prime

Honest side-by-side comparison of KTC X 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

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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 Prime

SCB

Your adjusted comparison

Feature
KTC X Visa Signature credit card

KTC X Visa Signature

KTC

SCB Prime credit card

SCB Prime

SCB

Fees & eligibility
Annual fee฿5,000฿4,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿50,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿4,730/yr-฿2,329/yr
Online shopping฿5,000 → 100 pts/mo × ฿0.25/pt = ฿25/mo (฿300/yr)—
Dining & delivery฿3,000 → 60 pts/mo × ฿0.25/pt = ฿15/mo (฿180/yr)—
Travel—฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate3X Forever (when fee paid)3%
Primary reward capNo monthly cap published฿5,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneAirport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · 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 X Visa Signature details →SCB Prime details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB Prime leads KTC X Visa Signature by about ฿2,401/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 X Visa Signature vs SCB Prime comparison table
FeatureKTC X Visa Signature

KTC

SCB Prime

SCB

Fees & eligibility
Annual fee฿5,000฿4,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿50,000/mo฿50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿4,730/yr-฿2,329/yr
Online shopping฿5,000 → 100 pts/mo × ฿0.25/pt = ฿25/mo (฿300/yr)—
Dining & delivery฿3,000 → 60 pts/mo × ฿0.25/pt = ฿15/mo (฿180/yr)—
Travel—฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo
Top reward rate3X Forever (when fee paid)3%
Primary reward capNo monthly cap published฿5,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneAirport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SCB Prime has the lowest annual fee at ฿4,999.
Which card earns more on moderate spend?
SCB Prime leads with an estimated -฿2,329/yr net annual value on moderate spend.
Which card has the lower income requirement?
KTC X 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.

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