CardX UP2ME lets cardholders choose a spending category that best matches their lifestyle to earn up to X3 POINTX* in 1 selected category from 5 available categories: shopping, dining, travel, entertainment and electronics, and beauty and health.

For general spending, cardholders earn 1 POINTX for every THB 25 spent.* The card also comes with no annual fee for life.

If cardholders select the Shopping category, CardX UP2ME offers up to X3 POINTX* on spending at shopping-related merchants, such as department stores, clothing stores, fashion stores, shoe stores, apparel stores, and retail stores that accept credit cards.

The Shopping category covers the following MCCs: 5137, 5139, 5309–5311, 5331, 5399, 5411, 5499, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5697–5699, and 5944.

X3 POINTX earning depends on the MCC registered by each merchant’s payment service provider and is subject to the card’s terms and conditions.

If cardholders select the Dining category, CardX UP2ME offers up to X3 POINTX* at dining merchants such as restaurants, bakeries, dessert shops, coffee shops, cafés, and fast-food restaurants that accept credit cards. Hotel restaurants are excluded

The Dining category covers the following MCCs: 5441, 5462, 5811, 5812, and 5814.

X3 POINTX earning depends on the MCC registered by each merchant’s payment service provider and is subject to the card’s terms and conditions.

If cardholders select the Entertainment & Electronics category, CardX UP2ME offers up to X3 POINTX* on entertainment and electronics spending, such as movie tickets, karaoke, entertainment venues, games, electronic devices, home appliances, computers, mobile phones, software, accessories, digital services, and other entertainment services that accept credit cards.

The Entertainment & Electronics category covers the following MCCs: 4812, 4813, 5045, 5065, 7379, 5722, 5732–5735, 5813, 5815, 5816, 5921, 5946, 7829, 7832, 7841, 7922, 7929, 7932, 7933, 7991, 7993, 7994, 7996, 7998, and 7999.

X3 POINTX earning depends on the MCC registered by each merchant or service provider’s payment service provider and is subject to the card’s terms and conditions.

If cardholders select the Health & Beauty category, CardX UP2ME offers up to X3 POINTX* on health and beauty spending, such as hospitals, clinics, pharmacies, cosmetic stores, spas, beauty salons, fitness services, healthcare services, and beauty-related services that accept credit cards.

The Health & Beauty category covers the following MCCs: 5912, 5940, 5941, 5977, 7032, 7221, 7230, 7297, 7298, 7911, 7941, 7992, 7997, 8011, 8021, 8031, 8041–8043, 8049, 8050, 8062, 8071, and 8099.

X3 POINTX earning depends on the MCC registered by each merchant or service provider’s payment service provider and is subject to the card’s terms and conditions

Yes. CardX UP2ME allows cardholders to convert almost any purchase into a 0% installment plan for 4 months through the app.* Easily activation for transactions of just THB 2,000 or more per sales slip available from April 1, 2026 - June 30, 2026. Some transactions are excluded, such as cash advances, mutual fund purchases, unit-linked life insurance payments, and Revenue Department tax payments. Learn more. (Link : https://www.cardx.co.th/credit-card/services/dee-jung-0percent-4months)

In addition, cardholders can enjoy 0% installment promotions for up to 10–36 months at over 20,000 participating leading merchants, giving more flexibility to buy products and services without paying the full amount upfront. Learn more. (Link : หน้าผ่อน IPP)

*Cardholders will not earn POINTX and/or cashback (depending on the card type)

Yes. CardX UP2ME cardholders can change their selected lifestyle category for earning up to X3 POINTX* through the CardX App only.

The lifestyle category can be changed once every 12 months, starting from the credit card approval date. The selected category will apply according to the company’s terms and conditions.

CardX UP2ME is suitable for people who want credit card benefits that match their lifestyle. Cardholders can select 1 spending category to earn up to X3 POINTX* from 5 categories: Shopping, Dining, Travel, Entertainment & Electronics, and Health & Beauty.

Cardholders can change their selected lifestyle category later through the CardX App

This card is suitable for applicants with a monthly income of THB 15,000 or more who want a credit card that lets them earn rewards based on their actual spending, with no annual fee for life.

CardX UP2ME cardholders can check their current lifestyle category for earning up to X3 POINTX* through the CardX App.

Go to Services and select Privilege Management to view the current selected category or change the lifestyle category.