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 K-Spect leads with an estimated ฿3,551/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 ttb absolute vs UOB ONE Card (Thailand)

Honest side-by-side comparison of SCB K-Spect, ttb absolute, UOB ONE Card (Thailand) — 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 K-Spect ranks first for estimated net annual value — ahead of UOB ONE Card (Thailand) by about ฿3,381/yr.

SCB K-Spect vs ttb absolute vs UOB ONE Card (Thailand) comparison table
Feature	SCB K-Spect SCB	ttb absolute ttb	UOB ONE Card (Thailand) UOB
Annual fee	฿799	฿3,500	฿2,500
Min income (monthly)	฿15,000	฿35,000	฿30,000
Top reward rate	Up to 5%	2.5%	Up to 3%
Net annual value (moderate spend)	฿3,551/yr	-฿575/yr	฿170/yr
Secured / FD-backed	No	No	No
Signup bonus	—	—	—

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 K-Spect leads with an estimated ฿3,551/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	ttbPlatinum ttb absolute •••• •••• •••• 4242 Quick facts ttb absolute Top reward2.5% Annual fee฿3,500 Min income฿35,000/mo Tap to flip back ttb absolute ttb	UOBGold UOB ONE Card (Thailand) •••• •••• •••• 4242 Quick facts UOB ONE Card (Thailand) Top rewardUp to 3% Annual fee฿2,500 Min income฿30,000/mo Tap to flip back UOB ONE Card (Thailand) UOB
Annual fee	฿799	฿3,500	฿2,500
Min income	฿15,000	฿35,000	฿30,000
Top reward rate	Up to 5%	2.5%	Up to 3%
Net value (moderate)	฿3,551/yr	-฿575/yr	฿170/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	—	—

SCB K-Spect details →ttb absolute details →UOB ONE Card (Thailand) details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SCB K-Spect comparisons