Side-by-side · honest numbers
ttb Platinum Credit Card vs UOB YOLO Platinum
Honest side-by-side comparison of ttb Platinum Credit Card, 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
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.
ttb Platinum Credit Card
ttb
UOB YOLO Platinum
UOB
Your adjusted comparison
| Feature | ttb Platinum Credit Card ttb | UOB YOLO Platinum UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿3,999 | ฿2,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿35,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿1,929/yr | ฿562/yr |
| Dining & delivery | — | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿500/mo |
| Travel | ฿2,000 × 2% = ฿40/mo (฿480/yr) · cap reached | — |
| Top reward rate | 2% | Up to 3% |
| Primary reward cap | ฿2,000 eligible spend/mo | ฿500 rewards/mo cap |
| 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.
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https://cardhungry.com/th/en/compare/ttb-platinum-vs-uob-yoloReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, UOB YOLO Platinum leads ttb Platinum Credit Card by about ฿2,491/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 | ttb Platinum Credit Card ttb | UOB YOLO Platinum UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿3,999 | ฿2,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿35,000/mo | ฿30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -฿1,929/yr | ฿562/yr |
| Dining & delivery | — | ฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿500/mo |
| Travel | ฿2,000 × 2% = ฿40/mo (฿480/yr) · cap reached | — |
| Top reward rate | 2% | Up to 3% |
| Primary reward cap | ฿2,000 eligible spend/mo | ฿500 rewards/mo cap |
| 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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