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Krungthai Travel Platinum Mastercard Debit vs CardX UP2ME Mastercard

Honest side-by-side comparison of Krungthai Travel Platinum Mastercard Debit, 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.

Krungthai Travel Platinum Mastercard Debit

Krungthai

CardX UP2ME Mastercard

CardX

Your adjusted comparison

Feature
Krungthai Travel Platinum Mastercard Debit credit card

Krungthai Travel Platinum Mastercard Debit

Krungthai

CardX UP2ME Mastercard credit card

CardX UP2ME Mastercard

CardX

Fees & eligibility
Annual feeLifetime free฿799
Fee waiver thresholdLifetime freeNo waiver published
Min income฿12,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿1,470/yr฿3,551/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo
Top reward rate0.8% cashbackUp to 5%
Primary reward capNo monthly cap published฿800 rewards/mo cap
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿100—

Stack mode (hold both)

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

Krungthai Travel Platinum Mastercard Debit 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 Krungthai Travel Platinum Mastercard Debit by about ฿2,081/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

Krungthai Travel Platinum Mastercard Debit vs CardX UP2ME Mastercard comparison table
FeatureKrungthai Travel Platinum Mastercard Debit

Krungthai

CardX UP2ME Mastercard

CardX

Fees & eligibility
Annual feeLifetime free฿799
Fee waiver thresholdLifetime freeNo waiver published
Min income฿12,000/mo฿15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿1,470/yr฿3,551/yr
Online shopping—฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo
Top reward rate0.8% cashbackUp to 5%
Primary reward capNo monthly cap published฿800 rewards/mo cap
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · Government payments · Cash advance · Bill payment fees
Bonuses
Signup bonus฿100—

Frequently asked questions

Which card has the lower annual fee?
Krungthai Travel Platinum Mastercard Debit has a ฿0 annual fee (lifetime free or zero-fee tier).
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?
Krungthai Travel Platinum Mastercard Debit lists a minimum monthly income of ฿12,000.
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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