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 JCB Platinum leads with an estimated ฿1,010/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 JCB Platinum vs SCB Miles

Honest side-by-side comparison of SCB JCB Platinum, 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 JCB Platinum

SCB

Card 2

SCB Miles

SCB

Your adjusted comparison

Feature	SCB JCB Platinum SCB	SCB Miles SCB
Fees & eligibility
Annual fee	฿2,500	฿1,990
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿1,010/yr	฿680/yr
Online shopping	฿5,000 × 3% = ฿150/mo (฿1,800/yr)	—
Travel	—	฿3,000 → 360 pts/mo × ฿0.25/pt = ฿90/mo (฿1,080/yr)
Top reward rate	3%	3 miles/฿25
Primary reward cap	฿3,000 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	JCB lounge access in Japan and select international airports · No minimum spend required for lounge access	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.

SCB JCB Platinum details →SCB Miles details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB JCB Platinum leads SCB Miles by about ฿330/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 JCB Platinum vs SCB Miles comparison table
Feature	SCB JCB Platinum SCB	SCB Miles SCB
Fees & eligibility
Annual fee	฿2,500	฿1,990
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿1,010/yr	฿680/yr
Online shopping	฿5,000 × 3% = ฿150/mo (฿1,800/yr)	—
Travel	—	฿3,000 → 360 pts/mo × ฿0.25/pt = ฿90/mo (฿1,080/yr)
Top reward rate	3%	3 miles/฿25
Primary reward cap	฿3,000 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	JCB lounge access in Japan and select international airports · No minimum spend required for lounge access	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 JCB Platinum leads with an estimated ฿1,010/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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