Side-by-side · honest numbers
SCB FIRST vs SCB M LIFESTYLE vs SCB Miles
Honest side-by-side comparison of SCB FIRST, SCB M LIFESTYLE, 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 M LIFESTYLE ranks first for estimated net annual value — ahead of SCB FIRST by about ฿3,390/yr.
| Feature | SCB FIRST SCB | SCB M LIFESTYLE SCB | SCB Miles SCB |
|---|---|---|---|
| Annual fee | ฿3,999 | ฿999 | ฿1,990 |
| Min income (monthly) | ฿50,000 | ฿20,000 | ฿25,000 |
| Top reward rate | 3% cashback | Up to 5% | 3 miles/฿25 |
| Net annual value (moderate spend) | ฿501/yr | ฿3,891/yr | -฿1,345/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ฿300 | ฿500 |
Frequently asked questions
- Which card has the lower annual fee?
- SCB M LIFESTYLE has the lowest annual fee at ฿999.
- 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 M LIFESTYLE lists a minimum monthly income of ฿20,000.
- 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 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 | 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 | ฿999 | ฿1,990 |
| Min income | ฿50,000 | ฿20,000 | ฿25,000 |
| Top reward rate | 3% cashback | Up to 5% | 3 miles/฿25 |
| Net value (moderate) | ฿501/yr | ฿3,891/yr | -฿1,345/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ฿300 | ฿500 |
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