Which card has the lower annual fee?

SCB M LIFESTYLE has the lowest annual fee at ฿999.

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 M LIFESTYLE lists a minimum monthly income of ฿20,000.

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 M LIFESTYLE vs SCB Miles vs UOB ONE Card (Thailand)

Honest side-by-side comparison of SCB M LIFESTYLE, SCB Miles, 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 M LIFESTYLE ranks first for estimated net annual value — ahead of UOB ONE Card (Thailand) by about ฿3,721/yr.

SCB M LIFESTYLE vs SCB Miles vs UOB ONE Card (Thailand) comparison table
Feature	SCB M LIFESTYLE SCB	SCB Miles SCB	UOB ONE Card (Thailand) UOB
Annual fee	฿999	฿1,990	฿2,500
Min income (monthly)	฿20,000	฿25,000	฿30,000
Top reward rate	Up to 5%	3 miles/฿25	Up to 3%
Net annual value (moderate spend)	฿3,891/yr	-฿1,345/yr	฿170/yr
Secured / FD-backed	No	No	No
Signup bonus	฿300	฿500	—

Frequently asked questions

Which card has the lower annual fee?: SCB M LIFESTYLE has the lowest annual fee at ฿999.
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 M LIFESTYLE lists a minimum monthly income of ฿20,000.
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.

Card 1

Card 2

Card 3

Your adjusted comparison

Feature	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	SCBGold SCB Miles •••• •••• •••• 4242 Quick facts SCB Miles Top reward3 miles/฿25 Annual fee฿1,990 Min income฿25,000/mo Tap to flip back SCB Miles SCB	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	฿999	฿1,990	฿2,500
Min income	฿20,000	฿25,000	฿30,000
Top reward rate	Up to 5%	3 miles/฿25	Up to 3%
Net value (moderate)	฿3,891/yr	-฿1,345/yr	฿170/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	฿300	฿500	—

SCB M LIFESTYLE details →SCB Miles details →UOB ONE Card (Thailand) details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SCB M LIFESTYLE comparisons