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CardX UP2ME Mastercard vs SCB Ultra Platinum

Honest side-by-side comparison of CardX UP2ME Mastercard, SCB Ultra Platinum — 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.

CardX UP2ME Mastercard

CardX

SCB Ultra Platinum

SCB

Your adjusted comparison

Feature
CardX UP2ME Mastercard credit card

CardX UP2ME Mastercard

CardX

SCB Ultra Platinum credit card

SCB Ultra Platinum

SCB

Fees & eligibility
Annual fee฿799฿6,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿15,000/mo฿80,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,551/yr-฿1,929/yr
Online shopping฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo—
Travel—฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿10,000/mo
Top reward rateUp to 5%4%
Primary reward cap฿800 rewards/mo cap฿10,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneUnlimited lounge access at select airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · 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.

CardX UP2ME Mastercard details →SCB Ultra Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, CardX UP2ME Mastercard leads SCB Ultra Platinum by about ฿5,480/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

CardX UP2ME Mastercard vs SCB Ultra Platinum comparison table
FeatureCardX UP2ME Mastercard

CardX

SCB Ultra Platinum

SCB

Fees & eligibility
Annual fee฿799฿6,999
Fee waiver thresholdNo waiver publishedNo waiver published
Min income฿15,000/mo฿80,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)฿3,551/yr-฿1,929/yr
Online shopping฿5,000 × 5% = ฿250/mo (฿3,000/yr) · issuer max ฿800/mo—
Travel—฿3,000 × 4% = ฿120/mo (฿1,440/yr) · issuer max ฿10,000/mo
Top reward rateUp to 5%4%
Primary reward cap฿800 rewards/mo cap฿10,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneUnlimited lounge access at select airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Cash advance · Bill payment feesInsurance · 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.

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