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SCB FIRST vs SCB JCB Platinum

Honest side-by-side comparison of SCB FIRST, SCB JCB Platinum — 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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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

SCB FIRST

SCB

SCB JCB Platinum

SCB

Your adjusted comparison

Feature
SCB FIRST credit card

SCB FIRST

SCB

SCB JCB Platinum credit card

SCB JCB Platinum

SCB

Fees & eligibility
Annual fee฿3,999฿2,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿50,000/mo฿30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿129/yr฿1,010/yr
Online shopping—฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Dining & delivery฿3,000 × 2% = ฿60/mo (฿720/yr)—
Travel฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo—
Top reward rate3% cashback3%
Primary reward cap฿6,000 eligible spend/mo฿3,000 rewards/mo cap
Perks & restrictions
Lounge accessSCB First lounge network access at select airports · Bundled with SCB First banking relationshipJCB lounge access in Japan and select international airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · 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.

SCB FIRST details →SCB JCB Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB JCB Platinum leads SCB FIRST by about ฿1,139/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

SCB FIRST vs SCB JCB Platinum comparison table
FeatureSCB FIRST

SCB

SCB JCB Platinum

SCB

Fees & eligibility
Annual fee฿3,999฿2,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿50,000/mo฿30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿129/yr฿1,010/yr
Online shopping—฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Dining & delivery฿3,000 × 2% = ฿60/mo (฿720/yr)—
Travel฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo—
Top reward rate3% cashback3%
Primary reward cap฿6,000 eligible spend/mo฿3,000 rewards/mo cap
Perks & restrictions
Lounge accessSCB First lounge network access at select airports · Bundled with SCB First banking relationshipJCB lounge access in Japan and select international airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SCB JCB Platinum has the lowest annual fee at ฿2,500.
Which card earns more on moderate spend?
SCB JCB Platinum leads with an estimated ฿1,010/yr net annual value on moderate spend.
Which card has the lower income requirement?
SCB JCB Platinum 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.

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