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 Miles leads with an estimated ฿680/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.

Side-by-side · honest numbers

SCB FIRST vs SCB Miles

Honest side-by-side comparison of SCB FIRST, SCB Miles — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

SCB FIRST

SCB

Card 2

SCB Miles

SCB

Your adjusted comparison

Feature	SCB FIRST SCB	SCB Miles SCB
Fees & eligibility
Annual fee	฿3,999	฿1,990
Fee waiver threshold	No waiver published	No waiver published
Min income	฿50,000/mo	฿25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿129/yr	฿680/yr
Dining & delivery	฿3,000 × 2% = ฿60/mo (฿720/yr)	—
Travel	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo	฿3,000 → 360 pts/mo × ฿0.25/pt = ฿90/mo (฿1,080/yr)
Top reward rate	3% cashback	3 miles/฿25
Primary reward cap	฿6,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	SCB First lounge network access at select airports · Bundled with SCB First banking relationship	None
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	—	฿500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB Miles leads SCB FIRST by about ฿809/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ฿23,000/mo

฿23,000/month total spend — typical Thailand user

Online ฿5,000 · Groceries ฿4,000 · Dining ฿3,000 · Travel ฿3,000 · Other ฿3,000

SCB FIRST vs SCB Miles comparison table
Feature	SCB FIRST SCB	SCB Miles SCB
Fees & eligibility
Annual fee	฿3,999	฿1,990
Fee waiver threshold	No waiver published	No waiver published
Min income	฿50,000/mo	฿25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿129/yr	฿680/yr
Dining & delivery	฿3,000 × 2% = ฿60/mo (฿720/yr)	—
Travel	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿6,000/mo	฿3,000 → 360 pts/mo × ฿0.25/pt = ฿90/mo (฿1,080/yr)
Top reward rate	3% cashback	3 miles/฿25
Primary reward cap	฿6,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	SCB First lounge network access at select airports · Bundled with SCB First banking relationship	None
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
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 Miles leads with an estimated ฿680/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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