Side-by-side · honest numbers
SCB FIRST vs SCB Ultra Platinum vs ttb Platinum Credit Card
Honest side-by-side comparison of SCB FIRST, SCB Ultra Platinum, ttb Platinum Credit Card — 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 FIRST ranks first for estimated net annual value — ahead of SCB Ultra Platinum by about ฿1,590/yr.
| Feature | SCB FIRST SCB | SCB Ultra Platinum SCB | ttb Platinum Credit Card ttb |
|---|---|---|---|
| Annual fee | ฿3,999 | ฿6,999 | ฿3,999 |
| Min income (monthly) | ฿50,000 | ฿80,000 | ฿35,000 |
| Top reward rate | 3% cashback | 4% | 2% |
| Net annual value (moderate spend) | ฿501/yr | -฿1,089/yr | -฿1,569/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SCB FIRST has the lowest annual fee at ฿3,999.
- Which card earns more on moderate spend?
- SCB FIRST leads with an estimated ฿501/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ttb Platinum Credit Card lists a minimum monthly income of ฿35,000.
- 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 | SCBPlatinum SCB Ultra Platinum •••• •••• •••• 4242 Quick facts SCB Ultra Platinum Top reward4% Annual fee฿6,999 Min income฿80,000/mo Tap to flip back SCB Ultra Platinum SCB | ttbPlatinum ttb Platinum Credit Card •••• •••• •••• 4242 Quick facts ttb Platinum Credit Card Top reward2% Annual fee฿3,999 Min income฿35,000/mo Tap to flip back ttb Platinum Credit Card ttb |
|---|---|---|---|
| Annual fee | ฿3,999 | ฿6,999 | ฿3,999 |
| Min income | ฿50,000 | ฿80,000 | ฿35,000 |
| Top reward rate | 3% cashback | 4% | 2% |
| Net value (moderate) | ฿501/yr | -฿1,089/yr | -฿1,569/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | — |
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