Side-by-side · honest numbers
KBank Blue Credit Card vs CardX UP2ME Mastercard
Honest side-by-side comparison of KBank Blue Credit Card, 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
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.
KBank Blue Credit Card
KBank
CardX UP2ME Mastercard
CardX
Your adjusted comparison
| Feature | KBank Blue Credit Card KBank | CardX UP2ME Mastercard CardX |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿699 | ฿799 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿18,000/mo | ฿15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿2,211/yr | ฿3,551/yr |
| Online shopping | — | ฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo |
| Fuel | ฿2,000 × 5% = ฿100/mo (฿1,200/yr) · issuer max ฿800/mo | — |
| Top reward rate | 5% | Up to 5% |
| Primary reward cap | ฿800 rewards/mo cap | ฿800 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)
Cap-aware split: ~฿3,812/yr combined NAV (฿261 vs best solo). Both annual fees apply.
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https://cardhungry.com/th/en/compare/kbank-taurus-vs-scb-k-spectReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, CardX UP2ME Mastercard leads KBank Blue Credit Card by about ฿1,340/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 | KBank Blue Credit Card KBank | CardX UP2ME Mastercard CardX |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ฿699 | ฿799 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ฿18,000/mo | ฿15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ฿2,211/yr | ฿3,551/yr |
| Online shopping | — | ฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo |
| Fuel | ฿2,000 × 5% = ฿100/mo (฿1,200/yr) · issuer max ฿800/mo | — |
| Top reward rate | 5% | Up to 5% |
| Primary reward cap | ฿800 rewards/mo cap | ฿800 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?
- KBank Blue Credit Card has the lowest annual fee at ฿699.
- 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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