Which card has the lower annual fee?

Standard Chartered Journey has the lowest annual fee at ฿3,500.

Which card earns more on moderate spend?

SCB FIRST leads with an estimated -฿129/yr net annual value on moderate spend.

Which card has the lower income requirement?

Standard Chartered Journey 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.

Side-by-side · honest numbers

Standard Chartered Journey vs SCB FIRST

Honest side-by-side comparison of Standard Chartered Journey, SCB FIRST — 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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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

Standard Chartered Journey

Standard Chartered

Card 2

SCB FIRST

SCB

Your adjusted comparison

Feature	Standard Chartered Journey Standard Chartered	SCB FIRST SCB
Fees & eligibility
Annual fee	฿3,500	฿3,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿1,010/yr	-฿129/yr
Dining & delivery	—	฿3,000 × 2% = ฿60/mo (฿720/yr)
Travel	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo
Top reward rate	3%	3% cashback
Primary reward cap	฿5,000 eligible spend/mo	฿6,000 eligible spend/mo
Perks & restrictions
Lounge access	None	SCB First lounge network access at select airports · Bundled with SCB First banking relationship
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.

Standard Chartered Journey details →SCB FIRST details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB FIRST leads Standard Chartered Journey by about ฿881/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

Standard Chartered Journey vs SCB FIRST comparison table
Feature	Standard Chartered Journey Standard Chartered	SCB FIRST SCB
Fees & eligibility
Annual fee	฿3,500	฿3,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿1,010/yr	-฿129/yr
Dining & delivery	—	฿3,000 × 2% = ฿60/mo (฿720/yr)
Travel	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo
Top reward rate	3%	3% cashback
Primary reward cap	฿5,000 eligible spend/mo	฿6,000 eligible spend/mo
Perks & restrictions
Lounge access	None	SCB First lounge network access at select airports · Bundled with SCB First banking relationship
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?: Standard Chartered Journey has the lowest annual fee at ฿3,500.
Which card earns more on moderate spend?: SCB FIRST leads with an estimated -฿129/yr net annual value on moderate spend.
Which card has the lower income requirement?: Standard Chartered Journey 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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