Which card has the lower annual fee?

ttb absolute has the lowest annual fee at ฿3,500.

Which card earns more on moderate spend?

UOB Premier leads with an estimated -฿697/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.

Side-by-side · honest numbers

ttb absolute vs UOB Premier

Honest side-by-side comparison of ttb absolute, UOB Premier — 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

ttb absolute

ttb

Card 2

UOB Premier

UOB

Your adjusted comparison

Feature	ttb absolute ttb	UOB Premier UOB
Fees & eligibility
Annual fee	฿3,500	฿4,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿35,000/mo	฿45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿1,010/yr	-฿697/yr
Travel	฿3,000 × 2.5% = ฿75/mo (฿900/yr) · issuer max ฿4,000/mo	฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo
Top reward rate	2.5%	5%
Primary reward cap	฿4,000 eligible spend/mo	฿5,000 eligible spend/mo
Perks & restrictions
Lounge access	Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold	Premier banking lounge access · 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
Bonuses
Signup bonus	—	—

Stack mode (hold both)

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

ttb absolute details →UOB Premier details →

Share this comparison

https://cardhungry.com/th/en/compare/ttb-absolute-vs-uob-premier-th

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, UOB Premier leads ttb absolute by about ฿313/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

ttb absolute vs UOB Premier comparison table
Feature	ttb absolute ttb	UOB Premier UOB
Fees & eligibility
Annual fee	฿3,500	฿4,999
Fee waiver threshold	No waiver published	No waiver published
Min income	฿35,000/mo	฿45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿1,010/yr	-฿697/yr
Travel	฿3,000 × 2.5% = ฿75/mo (฿900/yr) · issuer max ฿4,000/mo	฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo
Top reward rate	2.5%	5%
Primary reward cap	฿4,000 eligible spend/mo	฿5,000 eligible spend/mo
Perks & restrictions
Lounge access	Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold	Premier banking lounge access · 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
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?: UOB Premier leads with an estimated -฿697/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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More ttb absolute comparisons