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
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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 Prime
SCB
UOB PRIVI Miles
UOB
Your adjusted comparison
| Feature | SCB Prime SCB | UOB PRIVI Miles UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿4,999 | ฿2,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿50,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿2,329/yr | -฿1,914/yr |
| Travel | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo | ฿3,000 → 40 pts/mo × ฿0.35/pt = ฿14/mo (฿168/yr) |
| Top reward rate | 3% | Boosted UOB Rewards (modeled 2X) |
| Primary reward cap | ฿5,000 eligible spend/mo | No monthly cap published |
| 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 | — | — |
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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-uob-privi-miles-thReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, UOB PRIVI Miles leads SCB Prime by about ฿415/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 | UOB PRIVI Miles UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿4,999 | ฿2,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿50,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿2,329/yr | -฿1,914/yr |
| Travel | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo | ฿3,000 → 40 pts/mo × ฿0.35/pt = ฿14/mo (฿168/yr) |
| Top reward rate | 3% | Boosted UOB Rewards (modeled 2X) |
| Primary reward cap | ฿5,000 eligible spend/mo | No monthly cap published |
| 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?
- UOB PRIVI Miles has the lowest annual fee at ฿2,000.
- Which card earns more on moderate spend?
- UOB PRIVI Miles leads with an estimated -฿1,914/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.
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