Side-by-side · honest numbers
SCB FIRST vs SCB JCB Platinum vs SCB Miles
Honest side-by-side comparison of SCB FIRST, SCB JCB Platinum, SCB Miles — 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 JCB Platinum ranks first for estimated net annual value — ahead of SCB FIRST by about ฿509/yr.
| Feature | SCB FIRST SCB | SCB JCB Platinum SCB | SCB Miles SCB |
|---|---|---|---|
| Annual fee | ฿3,999 | ฿2,500 | ฿1,990 |
| Min income (monthly) | ฿50,000 | ฿30,000 | ฿25,000 |
| Top reward rate | 3% cashback | 3% | 3 miles/฿25 |
| Net annual value (moderate spend) | ฿501/yr | ฿1,010/yr | -฿1,345/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | ฿500 |
Frequently asked questions
- Which card has the lower annual fee?
- SCB Miles has the lowest annual fee at ฿1,990.
- 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 Miles lists a minimum monthly income of ฿25,000.
- 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.
Your adjusted comparison
| Feature | 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 | SCBPlatinum SCB JCB Platinum •••• •••• •••• 4242 Quick facts SCB JCB Platinum Top reward3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back SCB JCB Platinum SCB | SCBGold SCB Miles •••• •••• •••• 4242 Quick facts SCB Miles Top reward3 miles/฿25 Annual fee฿1,990 Min income฿25,000/mo Tap to flip back SCB Miles SCB |
|---|---|---|---|
| Annual fee | ฿3,999 | ฿2,500 | ฿1,990 |
| Min income | ฿50,000 | ฿30,000 | ฿25,000 |
| Top reward rate | 3% cashback | 3% | 3 miles/฿25 |
| Net value (moderate) | ฿501/yr | ฿1,010/yr | -฿1,345/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | ฿500 |
More SCB FIRST comparisons
- SCB FIRST vs BBL Platinum Leader
- SCB FIRST vs Bangkok Bank Be Smart
- SCB FIRST vs Bangkok Bank M PRESTIGE
- SCB FIRST vs Bangkok Bank Platinum
- SCB FIRST vs Citi PremierMiles
- SCB FIRST vs Citibank Rewards
- SCB FIRST vs HSBC Advance Credit Card
- SCB FIRST vs HSBC Premier World Mastercard
- SCB FIRST vs KBank Makro Platinum
- SCB FIRST vs KBank Platinum Plus
- SCB FIRST vs KBank Prestige
- SCB FIRST vs KBank Rabbit LINE Pay