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?

Standard Chartered Journey leads with an estimated -฿380/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 Private Banking Infinite vs ttb reserve infinite

Honest side-by-side comparison of Standard Chartered Journey, SCB Private Banking Infinite, ttb reserve 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, Standard Chartered Journey ranks first for estimated net annual value — ahead of ttb reserve infinite by about ฿10,220/yr.

Standard Chartered Journey vs SCB Private Banking Infinite vs ttb reserve infinite comparison table
Feature	Standard Chartered Journey Standard Chartered	SCB Private Banking Infinite SCB	ttb reserve infinite ttb
Annual fee	฿3,500	฿20,000	฿16,900
Min income (monthly)	฿30,000	฿150,000	฿100,000
Top reward rate	3%	5%	5% cashback
Net annual value (moderate spend)	-฿380/yr	-฿13,700/yr	-฿10,600/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?: Standard Chartered Journey leads with an estimated -฿380/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	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	ttbMetal ttb reserve infinite •••• •••• •••• 4242 Quick facts ttb reserve infinite Top reward5% cashback Annual fee฿16,900 Min income฿100,000/mo Tap to flip back ttb reserve infinite ttb
Annual fee	฿3,500	฿20,000	฿16,900
Min income	฿30,000	฿150,000	฿100,000
Top reward rate	3%	5%	5% cashback
Net value (moderate)	-฿380/yr	-฿13,700/yr	-฿10,600/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

Standard Chartered Journey details →SCB Private Banking Infinite details →ttb reserve infinite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Standard Chartered Journey comparisons