Which card has the lower annual fee?

ttb Platinum Credit Card has the lowest annual fee at ฿3,999.

Which card earns more on moderate spend?

All cards show a similar estimated net annual value of about -฿1,929/yr on this profile.

Which card has the lower income requirement?

ttb Platinum Credit Card 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.

Side-by-side · honest numbers

SCB Ultra Platinum vs ttb Platinum Credit Card

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

SCB

Card 2

ttb Platinum Credit Card

ttb

Your adjusted comparison

Feature	SCB Ultra Platinum SCB	ttb Platinum Credit Card ttb
Fees & eligibility
Annual fee	฿6,999	฿3,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿80,000/mo	฿35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿1,929/yr	-฿1,929/yr
Travel	฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿10,000/mo	฿2,000 × 2% = ฿40/mo (฿480/yr) · cap reached
Top reward rate	4%	2%
Primary reward cap	฿10,000 eligible spend/mo	฿2,000 eligible spend/mo
Perks & restrictions
Lounge access	Unlimited lounge access at select airports · 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	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

SCB Ultra Platinum details →ttb Platinum Credit Card details →

Share this comparison

https://cardhungry.com/th/en/compare/scb-ultra-platinum-vs-ttb-platinum

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, all compared cards show a similar estimated net annual 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 Platinum Credit Card comparison table
Feature	SCB Ultra Platinum SCB	ttb Platinum Credit Card ttb
Fees & eligibility
Annual fee	฿6,999	฿3,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿80,000/mo	฿35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿1,929/yr	-฿1,929/yr
Travel	฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿10,000/mo	฿2,000 × 2% = ฿40/mo (฿480/yr) · cap reached
Top reward rate	4%	2%
Primary reward cap	฿10,000 eligible spend/mo	฿2,000 eligible spend/mo
Perks & restrictions
Lounge access	Unlimited lounge access at select airports · 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?: ttb Platinum Credit Card has the lowest annual fee at ฿3,999.
Which card earns more on moderate spend?: All cards show a similar estimated net annual value of about -฿1,929/yr on this profile.
Which card has the lower income requirement?: ttb Platinum Credit Card 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More SCB Ultra Platinum comparisons