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Citibank Rewards vs CardX UP2ME Mastercard

Honest side-by-side comparison of Citibank Rewards, 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.

Citibank Rewards

Citibank

CardX UP2ME Mastercard

CardX

Your adjusted comparison

Feature
Citibank Rewards credit card

Citibank Rewards

Citibank

CardX UP2ME Mastercard credit card

CardX UP2ME Mastercard

CardX

Fees & eligibility
Annual fee฿1,990฿799
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿25,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,620/yr฿3,551/yr
Online shopping฿5,000 → 1,000 pts/mo × ฿0.25/pt = ฿250/mo (฿3,000/yr) · issuer max ฿5,000/mo฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo
Dining & delivery฿3,000 → 600 pts/mo × ฿0.25/pt = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo—
Top reward rate5X pointsUp to 5%
Primary reward cap฿5,000 eligible spend/mo฿800 rewards/mo cap
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿500—

Stack mode (hold both)

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

Citibank Rewards details →CardX UP2ME Mastercard details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Citibank Rewards leads CardX UP2ME Mastercard by about ฿69/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

Citibank Rewards vs CardX UP2ME Mastercard comparison table
FeatureCitibank Rewards

Citibank

CardX UP2ME Mastercard

CardX

Fees & eligibility
Annual fee฿1,990฿799
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿25,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,620/yr฿3,551/yr
Online shopping฿5,000 → 1,000 pts/mo × ฿0.25/pt = ฿250/mo (฿3,000/yr) · issuer max ฿5,000/mo฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo
Dining & delivery฿3,000 → 600 pts/mo × ฿0.25/pt = ฿150/mo (฿1,800/yr) · issuer max ฿5,000/mo—
Top reward rate5X pointsUp to 5%
Primary reward cap฿5,000 eligible spend/mo฿800 rewards/mo cap
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿500—

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?
Citibank Rewards leads with an estimated ฿3,620/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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