Side-by-side · honest numbers
SCB Private Banking Infinite vs SCB Ultra Platinum vs ttb reserve infinite
Honest side-by-side comparison of SCB Private Banking Infinite, SCB Ultra Platinum, ttb reserve infinite — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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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 Private Banking Infinite
SCB
SCB Ultra Platinum
SCB
ttb reserve infinite
ttb
Your adjusted comparison
| Feature | SCB Private Banking Infinite SCB | SCB Ultra Platinum SCB | ttb reserve infinite ttb |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿20,000 | ฿6,999 | ฿16,900 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ฿150,000/mo | ฿80,000/mo | ฿100,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -฿14,570/yr | -฿1,929/yr | -฿11,470/yr |
| Travel | ฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿20,000/mo | ฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿10,000/mo | ฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿15,000/mo |
| Top reward rate | 5% | 4% | 5% cashback |
| Primary reward cap | ฿20,000 eligible spend/mo | ฿10,000 eligible spend/mo | ฿15,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited lounge access for private banking tier · No minimum spend required for lounge access | Unlimited lounge access at select airports · No minimum spend required for lounge access | Priority Pass membership with unlimited visits (issuer T&Cs apply) · No minimum spend required for lounge access |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees | Insurance · Government payments · Cash advance · Bill payment fees |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/th/en/compare/scb-private-banking-vs-scb-ultra-platinum-vs-ttb-reserve-infiniteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SCB Ultra Platinum ranks first for estimated net annual value — ahead of ttb reserve infinite by about ฿9,541/yr.
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 Private Banking Infinite SCB | SCB Ultra Platinum SCB | ttb reserve infinite ttb |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ฿20,000 | ฿6,999 | ฿16,900 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | ฿150,000/mo | ฿80,000/mo | ฿100,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -฿14,570/yr | -฿1,929/yr | -฿11,470/yr |
| Travel | ฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿20,000/mo | ฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿10,000/mo | ฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿15,000/mo |
| Top reward rate | 5% | 4% | 5% cashback |
| Primary reward cap | ฿20,000 eligible spend/mo | ฿10,000 eligible spend/mo | ฿15,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited lounge access for private banking tier · No minimum spend required for lounge access | Unlimited lounge access at select airports · No minimum spend required for lounge access | Priority Pass membership with unlimited visits (issuer T&Cs apply) · No minimum spend required for lounge access |
| Key exclusions | Insurance · Government payments · Cash advance · Bill payment fees | 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 Ultra Platinum has the lowest annual fee at ฿6,999.
- Which card earns more on moderate spend?
- SCB Ultra Platinum leads with an estimated -฿1,929/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SCB Ultra Platinum lists a minimum monthly income of ฿80,000.
- 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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