Side-by-side · honest numbers
SCB FIRST vs SCB K-Spect vs UOB ONE Card (Thailand)
Honest side-by-side comparison of SCB FIRST, SCB K-Spect, UOB ONE Card (Thailand) — 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 ranks first for estimated net annual value — ahead of SCB FIRST by about ฿3,050/yr.
| Feature | SCB FIRST SCB | SCB K-Spect SCB | UOB ONE Card (Thailand) UOB |
|---|---|---|---|
| Annual fee | ฿3,999 | ฿799 | ฿2,500 |
| Min income (monthly) | ฿50,000 | ฿15,000 | ฿30,000 |
| Top reward rate | 3% cashback | Up to 5% | Up to 3% |
| Net annual value (moderate spend) | ฿501/yr | ฿3,551/yr | ฿170/yr |
| Secured / FD-backed | No | 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.
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 | UOBGold UOB ONE Card (Thailand) •••• •••• •••• 4242 Quick facts UOB ONE Card (Thailand) Top rewardUp to 3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back UOB ONE Card (Thailand) UOB |
|---|---|---|---|
| Annual fee | ฿3,999 | ฿799 | ฿2,500 |
| Min income | ฿50,000 | ฿15,000 | ฿30,000 |
| Top reward rate | 3% cashback | Up to 5% | Up to 3% |
| Net value (moderate) | ฿501/yr | ฿3,551/yr | ฿170/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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