Which card has the lower annual fee?

SCB M LIFESTYLE has the lowest annual fee at ฿999.

Which card earns more on moderate spend?

SCB M LIFESTYLE leads with an estimated ฿3,891/yr net annual value on moderate spend.

Which card has the lower income requirement?

SCB M LIFESTYLE lists a minimum monthly income of ฿20,000.

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 M LIFESTYLE

Honest side-by-side comparison of Standard Chartered Journey, SCB M LIFESTYLE — 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 M LIFESTYLE leads Standard Chartered Journey by about ฿4,271/yr in estimated net value.

Standard Chartered Journey vs SCB M LIFESTYLE comparison table
Feature	Standard Chartered Journey Standard Chartered	SCB M LIFESTYLE SCB
Annual fee	฿3,500	฿999
Min income (monthly)	฿30,000	฿20,000
Top reward rate	3%	Up to 5%
Net annual value (moderate spend)	-฿380/yr	฿3,891/yr
Secured / FD-backed	No	No
Signup bonus	—	฿300

Frequently asked questions

Which card has the lower annual fee?: SCB M LIFESTYLE has the lowest annual fee at ฿999.
Which card earns more on moderate spend?: SCB M LIFESTYLE leads with an estimated ฿3,891/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB M LIFESTYLE lists a minimum monthly income of ฿20,000.
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	SCBGold SCB M LIFESTYLE •••• •••• •••• 4242 Quick facts SCB M LIFESTYLE Top rewardUp to 5% Annual fee฿999 Min income฿20,000/mo Tap to flip back SCB M LIFESTYLE SCB
Annual fee	฿3,500	฿999
Min income	฿30,000	฿20,000
Top reward rate	3%	Up to 5%
Net value (moderate)	-฿380/yr	฿3,891/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	฿300

Standard Chartered Journey details →SCB M LIFESTYLE details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Standard Chartered Journey comparisons