Side-by-side · honest numbers
SCB Private Banking Infinite vs UOB YOLO Platinum
Honest side-by-side comparison of SCB Private Banking Infinite, UOB YOLO Platinum — 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 Private Banking Infinite
SCB
UOB YOLO Platinum
UOB
Your adjusted comparison
| Feature | SCB Private Banking Infinite SCB | UOB YOLO Platinum UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿20,000 | ฿2,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿150,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿14,570/yr | ฿562/yr |
| Dining & delivery | — | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿500/mo |
| Travel | ฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿20,000/mo | — |
| Top reward rate | 5% | Up to 3% |
| Primary reward cap | ฿20,000 eligible spend/mo | ฿500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Unlimited lounge access for private banking tier · No minimum spend required for lounge access | 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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https://cardhungry.com/th/en/compare/scb-private-banking-vs-uob-yoloReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, UOB YOLO Platinum leads SCB Private Banking Infinite by about ฿15,132/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 Private Banking Infinite SCB | UOB YOLO Platinum UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿20,000 | ฿2,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿150,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿14,570/yr | ฿562/yr |
| Dining & delivery | — | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿500/mo |
| Travel | ฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿20,000/mo | — |
| Top reward rate | 5% | Up to 3% |
| Primary reward cap | ฿20,000 eligible spend/mo | ฿500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Unlimited lounge access for private banking tier · No minimum spend required for lounge access | 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 YOLO Platinum has the lowest annual fee at ฿2,000.
- Which card earns more on moderate spend?
- UOB YOLO Platinum leads with an estimated ฿562/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- UOB YOLO Platinum 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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