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Bangkok Bank M PRESTIGE vs CardX UP2ME Mastercard

Honest side-by-side comparison of Bangkok Bank M PRESTIGE, CardX UP2ME Mastercard — 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.

Bangkok Bank M PRESTIGE

Bangkok Bank

CardX UP2ME Mastercard

CardX

Your adjusted comparison

Feature
Bangkok Bank M PRESTIGE credit card

Bangkok Bank M PRESTIGE

Bangkok Bank

CardX UP2ME Mastercard credit card

CardX UP2ME Mastercard

CardX

Fees & eligibility
Annual fee฿4,500฿799
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿1,110/yr฿3,551/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo
Travel฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo—
Top reward rate5%Up to 5%
Primary reward cap฿5,000 eligible spend/mo฿800 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge privileges at select airports · Minimum spend required — see issuer T&Cs for current thresholdNone
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.

Bangkok Bank M PRESTIGE details →CardX UP2ME Mastercard details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, CardX UP2ME Mastercard leads Bangkok Bank M PRESTIGE by about ฿4,661/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

Bangkok Bank M PRESTIGE vs CardX UP2ME Mastercard comparison table
FeatureBangkok Bank M PRESTIGE

Bangkok Bank

CardX UP2ME Mastercard

CardX

Fees & eligibility
Annual fee฿4,500฿799
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿40,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-฿1,110/yr฿3,551/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo
Travel฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo—
Top reward rate5%Up to 5%
Primary reward cap฿5,000 eligible spend/mo฿800 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge privileges at select airports · Minimum spend required — see issuer T&Cs for current thresholdNone
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?
CardX UP2ME Mastercard has the lowest annual fee at ฿799.
Which card earns more on moderate spend?
CardX UP2ME Mastercard leads with an estimated ฿3,551/yr net annual value on moderate spend.
Which card has the lower income requirement?
CardX UP2ME Mastercard lists a minimum monthly income of ฿15,000.
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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