Side-by-side · honest numbers
SCB Miles vs UOB PRIVI Miles
Honest side-by-side comparison of SCB Miles, UOB PRIVI 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.
SCB Miles
SCB
UOB PRIVI Miles
UOB
Your adjusted comparison
| Feature | SCB Miles SCB | UOB PRIVI Miles UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿1,990 | ฿2,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿25,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿680/yr | -฿1,914/yr |
| Travel | ฿3,000 → 360 pts/mo × ฿0.25/pt = ฿90/mo (฿1,080/yr) | ฿3,000 → 40 pts/mo × ฿0.35/pt = ฿14/mo (฿168/yr) |
| Top reward rate | 3 miles/฿25 | Boosted UOB Rewards (modeled 2X) |
| Primary reward cap | No monthly cap published | No monthly cap published |
| 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.
Share this comparison
https://cardhungry.com/th/en/compare/scb-miles-vs-uob-privi-miles-thReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SCB Miles leads UOB PRIVI Miles by about ฿2,594/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
| Feature | SCB Miles SCB | UOB PRIVI Miles UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿1,990 | ฿2,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿25,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿680/yr | -฿1,914/yr |
| Travel | ฿3,000 → 360 pts/mo × ฿0.25/pt = ฿90/mo (฿1,080/yr) | ฿3,000 → 40 pts/mo × ฿0.35/pt = ฿14/mo (฿168/yr) |
| Top reward rate | 3 miles/฿25 | Boosted UOB Rewards (modeled 2X) |
| Primary reward cap | No monthly cap published | No monthly cap published |
| 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 Miles leads with an estimated ฿680/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.
More SCB Miles comparisons
- SCB Miles vs BBL Platinum Leader
- SCB Miles vs Bangkok Bank Be Smart
- SCB Miles vs Bangkok Bank M PRESTIGE
- SCB Miles vs Bangkok Bank Platinum
- SCB Miles vs CardX UP2ME Mastercard
- SCB Miles vs HSBC Advance Credit Card
- SCB Miles vs HSBC Premier World Mastercard
- SCB Miles vs KBank Blue Credit Card
- SCB Miles vs KBank JCB Platinum
- SCB Miles vs KBank LINE POINTS Credit Card
- SCB Miles vs KBank Mastercard Platinum
- SCB Miles vs KBank PLUSTINUM