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 ฿501/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 vs SCB Private Banking Infinite

Honest side-by-side comparison of Standard Chartered Journey, SCB FIRST, SCB Private Banking Infinite — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB FIRST ranks first for estimated net annual value — ahead of Standard Chartered Journey by about ฿881/yr.

Standard Chartered Journey vs SCB FIRST vs SCB Private Banking Infinite comparison table
Feature	Standard Chartered Journey Standard Chartered	SCB FIRST SCB	SCB Private Banking Infinite SCB
Annual fee	฿3,500	฿3,999	฿20,000
Min income (monthly)	฿30,000	฿50,000	฿150,000
Top reward rate	3%	3% cashback	5%
Net annual value (moderate spend)	-฿380/yr	฿501/yr	-฿13,700/yr
Secured / FD-backed	No	No	No
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 ฿501/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

Change spend profile or swap cards — results update live below.

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Your adjusted comparison

Feature	Standard CharteredPlatinum Standard Chartered Journey •••• •••• •••• 4242 Quick facts Standard Chartered Journey Top reward3% Annual fee฿3,500 Min income฿30,000/mo Tap to flip back Standard Chartered Journey Standard Chartered	SCBPlatinum SCB FIRST •••• •••• •••• 4242 Quick facts SCB FIRST Top reward3% cashback Annual fee฿3,999 Min income฿50,000/mo Tap to flip back SCB FIRST SCB	SCBMetal SCB Private Banking Infinite •••• •••• •••• 4242 Quick facts SCB Private Banking Infinite Top reward5% Annual fee฿20,000 Min income฿150,000/mo Tap to flip back SCB Private Banking Infinite SCB
Annual fee	฿3,500	฿3,999	฿20,000
Min income	฿30,000	฿50,000	฿150,000
Top reward rate	3%	3% cashback	5%
Net value (moderate)	-฿380/yr	฿501/yr	-฿13,700/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

Standard Chartered Journey details →SCB FIRST details →SCB Private Banking Infinite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Standard Chartered Journey comparisons