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 ฿3,591/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 UOB ONE Card (Thailand)

Honest side-by-side comparison of SCB M LIFESTYLE, UOB ONE Card (Thailand) — 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 M LIFESTYLE

SCB

Card 2

UOB ONE Card (Thailand)

UOB

Your adjusted comparison

Feature	SCB M LIFESTYLE SCB	UOB ONE Card (Thailand) UOB
Fees & eligibility
Annual fee	฿999	฿2,500
Fee waiver threshold	No waiver published	No waiver published
Min income	฿20,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿3,591/yr	฿62/yr
Online shopping	฿5,000 × 3% = ฿150/mo (฿1,800/yr)	—
Dining & delivery	฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿1,500/mo	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿500/mo
Top reward rate	Up to 5%	Up to 3%
Primary reward cap	฿1,500 rewards/mo cap	฿500 rewards/mo cap
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	฿300	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

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

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB M LIFESTYLE leads UOB ONE Card (Thailand) by about ฿3,529/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 M LIFESTYLE vs UOB ONE Card (Thailand) comparison table
Feature	SCB M LIFESTYLE SCB	UOB ONE Card (Thailand) UOB
Fees & eligibility
Annual fee	฿999	฿2,500
Fee waiver threshold	No waiver published	No waiver published
Min income	฿20,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿3,591/yr	฿62/yr
Online shopping	฿5,000 × 3% = ฿150/mo (฿1,800/yr)	—
Dining & delivery	฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿1,500/mo	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿500/mo
Top reward rate	Up to 5%	Up to 3%
Primary reward cap	฿1,500 rewards/mo cap	฿500 rewards/mo cap
Key exclusions	Insurance · Government payments · Cash advance · Bill payment fees	Insurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus	฿300	—

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 ฿3,591/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More SCB M LIFESTYLE comparisons