Which card has the lower annual fee?

CardX UP2ME Mastercard has the lowest annual fee at ฿799.

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.

Side-by-side · honest numbers

Standard Chartered Journey vs CardX UP2ME Mastercard

Honest side-by-side comparison of Standard Chartered Journey, 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.

Card 1

Standard Chartered Journey

Standard Chartered

Card 2

CardX UP2ME Mastercard

CardX

Your adjusted comparison

Feature	Standard Chartered Journey Standard Chartered	CardX UP2ME Mastercard CardX
Fees & eligibility
Annual fee	฿3,500	฿799
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿1,010/yr	฿3,551/yr
Online shopping	—	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo
Travel	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo	—
Top reward rate	3%	Up to 5%
Primary reward cap	฿5,000 eligible spend/mo	฿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)

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

Standard Chartered Journey details →CardX UP2ME Mastercard details →

Share this comparison

https://cardhungry.com/th/en/compare/sc-journey-th-vs-scb-k-spect

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, CardX UP2ME Mastercard leads Standard Chartered Journey by about ฿4,561/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

Standard Chartered Journey vs CardX UP2ME Mastercard comparison table
Feature	Standard Chartered Journey Standard Chartered	CardX UP2ME Mastercard CardX
Fees & eligibility
Annual fee	฿3,500	฿799
Fee waiver threshold	No waiver published	No waiver published
Min income	฿30,000/mo	฿15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-฿1,010/yr	฿3,551/yr
Online shopping	—	฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo
Travel	฿3,000 × 3% = ฿90/mo (฿1,080/yr) · issuer max ฿5,000/mo	—
Top reward rate	3%	Up to 5%
Primary reward cap	฿5,000 eligible spend/mo	฿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?: CardX UP2ME Mastercard has the lowest annual fee at ฿799.
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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More Standard Chartered Journey comparisons