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KBank LINE POINTS Credit Card vs CardX UP2ME Mastercard vs SCB M LIFESTYLE

Honest side-by-side comparison of KBank LINE POINTS Credit Card, CardX UP2ME Mastercard, SCB M LIFESTYLE — 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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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.

KBank LINE POINTS Credit Card

KBank

CardX UP2ME Mastercard

CardX

SCB M LIFESTYLE

SCB

Your adjusted comparison

Feature
KBank LINE POINTS Credit Card

KBank LINE POINTS Credit Card

KBank

CardX UP2ME Mastercard credit card

CardX UP2ME Mastercard

CardX

SCB M LIFESTYLE credit card

SCB M LIFESTYLE

SCB

Fees & eligibility
Annual feeLifetime free฿799฿999
Fee waiver thresholdLifetime freeNo waiver publishedNo waiver published
Min income฿15,000/mo฿15,000/mo฿20,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)฿3,150/yr฿3,551/yr฿3,591/yr
Online shopping฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿800/mo฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Dining & delivery——฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿1,500/mo
Top reward rateUp to 3% cashbackUp to 5%Up to 5%
Primary reward cap฿800 rewards/mo cap฿800 rewards/mo cap฿1,500 rewards/mo cap
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——฿300
KBank LINE POINTS Credit Card details →CardX UP2ME Mastercard details →SCB M LIFESTYLE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SCB M LIFESTYLE ranks first for estimated net annual value — ahead of CardX UP2ME Mastercard by about ฿40/yr.

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

KBank LINE POINTS Credit Card vs CardX UP2ME Mastercard vs SCB M LIFESTYLE comparison table
FeatureKBank LINE POINTS Credit Card

KBank

CardX UP2ME Mastercard

CardX

SCB M LIFESTYLE

SCB

Fees & eligibility
Annual feeLifetime free฿799฿999
Fee waiver thresholdLifetime freeNo waiver publishedNo waiver published
Min income฿15,000/mo฿15,000/mo฿20,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)฿3,150/yr฿3,551/yr฿3,591/yr
Online shopping฿5,000 × 3% = ฿150/mo (฿1,800/yr) · issuer max ฿800/mo฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo฿5,000 × 3% = ฿150/mo (฿1,800/yr)
Dining & delivery——฿3,000 × 5% = ฿150/mo (฿1,800/yr) · issuer max ฿1,500/mo
Top reward rateUp to 3% cashbackUp to 5%Up to 5%
Primary reward cap฿800 rewards/mo cap฿800 rewards/mo cap฿1,500 rewards/mo cap
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus——฿300

Frequently asked questions

Which card has the lower annual fee?
KBank LINE POINTS Credit Card has a ฿0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
SCB M LIFESTYLE leads with an estimated ฿3,591/yr net annual value on moderate spend.
Which card has the lower income requirement?
KBank LINE POINTS Credit Card 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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