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Krungsri Cashback vs CardX UP2ME Mastercard

Honest side-by-side comparison of Krungsri Cashback, 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.

Krungsri Cashback

Krungsri

CardX UP2ME Mastercard

CardX

Your adjusted comparison

Feature
Krungsri Cashback credit card

Krungsri Cashback

Krungsri

CardX UP2ME Mastercard credit card

CardX UP2ME Mastercard

CardX

Fees & eligibility
Annual fee฿699฿799
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿15,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿6,006/yr฿3,551/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo
Top reward rate3%Up to 5%
Primary reward cap฿2,000 rewards/mo cap฿800 rewards/mo cap
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿200—

Stack mode (hold both)

Cap-aware split: ~฿6,430/yr combined NAV (฿424 vs best solo). Both annual fees apply.

Krungsri Cashback details →CardX UP2ME Mastercard details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Krungsri Cashback leads CardX UP2ME Mastercard by about ฿2,455/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

Krungsri Cashback vs CardX UP2ME Mastercard comparison table
FeatureKrungsri Cashback

Krungsri

CardX UP2ME Mastercard

CardX

Fees & eligibility
Annual fee฿699฿799
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿15,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿6,006/yr฿3,551/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo
Top reward rate3%Up to 5%
Primary reward cap฿2,000 rewards/mo cap฿800 rewards/mo cap
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿200—

Frequently asked questions

Which card has the lower annual fee?
Krungsri Cashback has the lowest annual fee at ฿699.
Which card earns more on moderate spend?
Krungsri Cashback leads with an estimated ฿6,006/yr net annual value on moderate spend.
Which card has the lower income requirement?
Krungsri Cashback 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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