Side-by-side · honest numbers
SCB FIRST vs SCB K-Spect vs SCB M LIFESTYLE
Honest side-by-side comparison of SCB FIRST, SCB K-Spect, SCB M LIFESTYLE — 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 M LIFESTYLE ranks first for estimated net annual value — ahead of SCB K-Spect by about ฿340/yr.
| Feature | SCB FIRST SCB | SCB K-Spect SCB | SCB M LIFESTYLE SCB |
|---|---|---|---|
| Annual fee | ฿3,999 | ฿799 | ฿999 |
| Min income (monthly) | ฿50,000 | ฿15,000 | ฿20,000 |
| Top reward rate | 3% cashback | Up to 5% | Up to 5% |
| Net annual value (moderate spend) | ฿501/yr | ฿3,551/yr | ฿3,891/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | ฿300 |
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 M LIFESTYLE leads with an estimated ฿3,891/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.
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 | SCBGold SCB M LIFESTYLE •••• •••• •••• 4242 Quick facts SCB M LIFESTYLE Top rewardUp to 5% Annual fee฿999 Min income฿20,000/mo Tap to flip back SCB M LIFESTYLE SCB |
|---|---|---|---|
| Annual fee | ฿3,999 | ฿799 | ฿999 |
| Min income | ฿50,000 | ฿15,000 | ฿20,000 |
| Top reward rate | 3% cashback | Up to 5% | Up to 5% |
| Net value (moderate) | ฿501/yr | ฿3,551/yr | ฿3,891/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | ฿300 |
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