October 2026. The top pick in every category, ranked by what you keep after fees.
Best overall: CardX UP2ME Mastercard
About ~฿4,400 a year after fees and caps, on a typical month of spending.
Best for online shopping
CardX UP2ME Mastercard: ~฿6,600 a year. Annual fee: None.
Best for dining and food delivery
Krungsri Lady: ~฿6,400 a year. Annual fee: None.
Best for travel and miles
SCB FIRST: ~฿3,800 a year. Annual fee: None.
Best for no annual fee
CardX UP2ME Mastercard: ~฿4,400 a year. Annual fee: None.
Net value per year: rewards minus fees, after monthly caps. No sign-up bonuses, no sponsored ranking.
All 7 lists, the assumptions, and what to check before you apply.
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