Which card has the lower annual fee?

SCB K-Spect has the lowest annual fee at ฿799.

Which card earns more on moderate spend?

SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.

Which card has the lower income requirement?

SCB K-Spect lists a minimum monthly income of ฿15,000.

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

SCB FIRST vs SCB K-Spect

Honest side-by-side comparison of SCB FIRST, SCB K-Spect — 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 K-Spect leads SCB FIRST by about ฿3,050/yr in estimated net value.

SCB FIRST vs SCB K-Spect comparison table
Feature	SCB FIRST SCB	SCB K-Spect SCB
Annual fee	฿3,999	฿799
Min income (monthly)	฿50,000	฿15,000
Top reward rate	3% cashback	Up to 5%
Net annual value (moderate spend)	฿501/yr	฿3,551/yr
Secured / FD-backed	No	No
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: SCB K-Spect has the lowest annual fee at ฿799.
Which card earns more on moderate spend?: SCB K-Spect leads with an estimated ฿3,551/yr net annual value on moderate spend.
Which card has the lower income requirement?: SCB K-Spect lists a minimum monthly income of ฿15,000.
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	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	SCBGold SCB K-Spect •••• •••• •••• 4242 Quick facts SCB K-Spect Top rewardUp to 5% Annual fee฿799 Min income฿15,000/mo Tap to flip back SCB K-Spect SCB
Annual fee	฿3,999	฿799
Min income	฿50,000	฿15,000
Top reward rate	3% cashback	Up to 5%
Net value (moderate)	฿501/yr	฿3,551/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	—

SCB FIRST details →SCB K-Spect details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SCB FIRST comparisons