Which card has the lower annual fee?

UOB PRIVI Miles has the lowest annual fee at ฿2,000.

Which card earns more on moderate spend?

Standard Chartered Journey leads with an estimated -฿1,010/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 ttb Platinum Credit Card vs UOB PRIVI Miles

Honest side-by-side comparison of Standard Chartered Journey, ttb Platinum Credit Card, UOB PRIVI Miles — 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

Customize your spend

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

ttb Platinum Credit Card

ttb

Card 3

UOB PRIVI Miles

UOB

Your adjusted comparison

Feature	Standard Chartered Journey Standard Chartered	ttb Platinum Credit Card ttb	UOB PRIVI Miles UOB
Fees & eligibility
Annual fee	฿3,500	฿3,999	฿2,000
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿30,000/mo	฿35,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿1,010/yr	-฿1,929/yr	-฿1,914/yr
Travel	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo	฿2,000 × 2% = ฿40/mo (฿480/yr) · cap reached	฿3,000 → 40 pts/mo × ฿0.35/pt = ฿14/mo (฿168/yr)
Top reward rate	3%	2%	Boosted UOB Rewards (modeled 2X)
Primary reward cap	฿5,000 eligible spend/mo	฿2,000 eligible spend/mo	No monthly cap published
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	—	—

Standard Chartered Journey details →ttb Platinum Credit Card details →UOB PRIVI Miles details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Standard Chartered Journey ranks first for estimated net annual value — ahead of UOB PRIVI Miles by about ฿904/yr.

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 ttb Platinum Credit Card vs UOB PRIVI Miles comparison table
Feature	Standard Chartered Journey Standard Chartered	ttb Platinum Credit Card ttb	UOB PRIVI Miles UOB
Fees & eligibility
Annual fee	฿3,500	฿3,999	฿2,000
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	฿30,000/mo	฿35,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-฿1,010/yr	-฿1,929/yr	-฿1,914/yr
Travel	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo	฿2,000 × 2% = ฿40/mo (฿480/yr) · cap reached	฿3,000 → 40 pts/mo × ฿0.35/pt = ฿14/mo (฿168/yr)
Top reward rate	3%	2%	Boosted UOB Rewards (modeled 2X)
Primary reward cap	฿5,000 eligible spend/mo	฿2,000 eligible spend/mo	No monthly cap published
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	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?: UOB PRIVI Miles has the lowest annual fee at ฿2,000.
Which card earns more on moderate spend?: Standard Chartered Journey leads with an estimated -฿1,010/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

More Standard Chartered Journey comparisons