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 M LIFESTYLE leads with an estimated ฿3,891/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.

Side-by-side · honest numbers

SCB K-Spect vs SCB M LIFESTYLE vs SCB Prime

Honest side-by-side comparison of SCB K-Spect, SCB M LIFESTYLE, SCB Prime — 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 K-Spect by about ฿340/yr.

SCB K-Spect vs SCB M LIFESTYLE vs SCB Prime comparison table
Feature	SCB K-Spect SCB	SCB M LIFESTYLE SCB	SCB Prime SCB
Annual fee	฿799	฿999	฿4,999
Min income (monthly)	฿15,000	฿20,000	฿50,000
Top reward rate	Up to 5%	Up to 5%	3%
Net annual value (moderate spend)	฿3,551/yr	฿3,891/yr	-฿1,879/yr
Secured / FD-backed	No	No	No
Signup bonus	—	฿300	—

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 M LIFESTYLE leads with an estimated ฿3,891/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.

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Your adjusted comparison

Feature	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	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	SCBPlatinum SCB Prime •••• •••• •••• 4242 Quick facts SCB Prime Top reward3% Annual fee฿4,999 Min income฿50,000/mo Tap to flip back SCB Prime SCB
Annual fee	฿799	฿999	฿4,999
Min income	฿15,000	฿20,000	฿50,000
Top reward rate	Up to 5%	Up to 5%	3%
Net value (moderate)	฿3,551/yr	฿3,891/yr	-฿1,879/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	฿300	—

SCB K-Spect details →SCB M LIFESTYLE details →SCB Prime details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SCB K-Spect comparisons