Side-by-side · honest numbers
SCB Prime vs ttb Platinum Credit Card
Honest side-by-side comparison of SCB Prime, ttb Platinum Credit Card — 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
SCB Prime
SCB
ttb Platinum Credit Card
ttb
Your adjusted comparison
| Feature | SCB Prime SCB | ttb Platinum Credit Card ttb |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿4,999 | ฿3,999 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿50,000/mo | ฿35,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿2,329/yr | -฿1,929/yr |
| Travel | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo | ฿2,000 × 2% = ฿40/mo (฿480/yr) · cap reached |
| Top reward rate | 3% | 2% |
| Primary reward cap | ฿5,000 eligible spend/mo | ฿2,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Airport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs | None |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/th/en/compare/scb-prime-vs-ttb-platinumReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, ttb Platinum Credit Card leads SCB Prime by about ฿400/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 Prime SCB | ttb Platinum Credit Card ttb |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿4,999 | ฿3,999 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿50,000/mo | ฿35,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿2,329/yr | -฿1,929/yr |
| Travel | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo | ฿2,000 × 2% = ฿40/mo (฿480/yr) · cap reached |
| Top reward rate | 3% | 2% |
| Primary reward cap | ฿5,000 eligible spend/mo | ฿2,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Airport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs | None |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- ttb Platinum Credit Card has the lowest annual fee at ฿3,999.
- Which card earns more on moderate spend?
- ttb Platinum Credit Card leads with an estimated -฿1,929/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ttb Platinum Credit Card lists a minimum monthly income of ฿35,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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