Thai trains are usually late. And not by minutes. And they stop and leave passengers to get to their destinations without assistance. And the lines are often shared with trains coming from other direction. i.e. one line north and south. Fly perhaps.
I have that card and a Citibank debit card too. The Citibank card allows osko transfers. HSBC transfers from my main bank take 3-4 days. I prefer Citibank for use in Asia.