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SCB Ultra Platinum vs ttb absolute

Honest side-by-side comparison of SCB Ultra Platinum, ttb absolute — 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 Ultra Platinum

SCB

ttb absolute

ttb

Your adjusted comparison

Feature
SCB Ultra Platinum credit card

SCB Ultra Platinum

SCB

ttb absolute credit card

ttb absolute

ttb

Fees & eligibility
Annual fee฿6,999฿3,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿80,000/mo฿35,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿1,929/yr-฿1,010/yr
Travel฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿10,000/mo฿3,000 × 2.5% = ฿75/mo (฿900/yr) · issuer max ฿4,000/mo
Top reward rate4%2.5%
Primary reward cap฿10,000 eligible spend/mo฿4,000 eligible spend/mo
Perks & restrictions
Lounge accessUnlimited lounge access at select airports · No minimum spend required for lounge accessAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · 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 Ultra Platinum details →ttb absolute details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, ttb absolute leads SCB Ultra Platinum by about ฿919/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 Ultra Platinum vs ttb absolute comparison table
FeatureSCB Ultra Platinum

SCB

ttb absolute

ttb

Fees & eligibility
Annual fee฿6,999฿3,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿80,000/mo฿35,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿1,929/yr-฿1,010/yr
Travel฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿10,000/mo฿3,000 × 2.5% = ฿75/mo (฿900/yr) · issuer max ฿4,000/mo
Top reward rate4%2.5%
Primary reward cap฿10,000 eligible spend/mo฿4,000 eligible spend/mo
Perks & restrictions
Lounge accessUnlimited lounge access at select airports · No minimum spend required for lounge accessAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
ttb absolute has the lowest annual fee at ฿3,500.
Which card earns more on moderate spend?
ttb absolute leads with an estimated -฿1,010/yr net annual value on moderate spend.
Which card has the lower income requirement?
ttb absolute 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.

More SCB Ultra Platinum comparisons