Which card has the lower annual fee?

SCB Prime has a ฿0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SCB Prime leads with an estimated ฿1,950/yr net annual value on moderate spend.

Which card has the lower income requirement?

UOB PRIVI Miles lists a minimum monthly income of ฿30,000.

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 Prime vs UOB PRIVI Miles

Honest side-by-side comparison of SCB Prime, 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.

Card 1

SCB Prime

SCB

Card 2

UOB PRIVI Miles

UOB

Your adjusted comparison

Feature	SCB Prime SCB	UOB PRIVI Miles UOB
Fees & eligibility
Annual fee	Lifetime free	฿4,000
Fee waiver threshold	Lifetime free	฿300,000/yr
Min income	฿50,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿1,950/yr	฿1,053/yr
Top reward rate	1 PointX per ฿25	Boosted UOB Rewards (modeled 2X)
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Airport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs	Airport lounge via redemption pathways (not complimentary) · Minimum spend required — see issuer T&Cs for current threshold
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.

SCB Prime details →UOB PRIVI Miles details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB Prime leads UOB PRIVI Miles by about ฿897/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 Prime vs UOB PRIVI Miles comparison table
Feature	SCB Prime SCB	UOB PRIVI Miles UOB
Fees & eligibility
Annual fee	Lifetime free	฿4,000
Fee waiver threshold	Lifetime free	฿300,000/yr
Min income	฿50,000/mo	฿30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	฿1,950/yr	฿1,053/yr
Top reward rate	1 PointX per ฿25	Boosted UOB Rewards (modeled 2X)
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Airport lounge access at select Thai airports · Spend milestones may apply — verify SCB Prime T&Cs	Airport lounge via redemption pathways (not complimentary) · Minimum spend required — see issuer T&Cs for current threshold
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?: SCB Prime has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SCB Prime leads with an estimated ฿1,950/yr net annual value on moderate spend.
Which card has the lower income requirement?: UOB PRIVI Miles lists a minimum monthly income of ฿30,000.
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

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