Credit Card

KTC X - AGODA WORLD REWARDS MASTERCARD

The First-Year annual fee waiver of the THB 5,000 (exclusive of 7% VAT).

The annual fee for the subsequent years will be waived if the total spending through both primary and supplementary cards combined reaches at least THB 600,000 within the specified period.

Enjoy worldwide coverage of up to USD 200 for your online purchases all types of KTC MASTERCARD credit card when you experience non-delivery and/or incomplete delivery, 1 Jan 26 – 31 Dec 26.

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Providing advice and information/assistance on

• Air-ticket, restaurant reservations and gift & flower delivery.
• Special event notification.
• Home maintenance service.
• Medical emergency service.

The above services are intended for providing information, recommendation and coordination for personal use only, and not intended for commercial or illegal purposes. The cardmembers shall be held responsible for the expenses incurred from such services.

KTC PERSONAL ASSISTANT is available 24 hours every day at 02 123 5444 ; press 0.

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Pay products / services with a special interest rate of 0% up to 10 months through the installment payments with KTC credit card.

Full payment can be changed to installment payment.

Change your full payment amount for the purchase of products/services before the statement closing date into the installment amount at 0.74% interest rate per month, up to 10 months, easily via the KTC Mobile app or by calling KTC EXCLUSIVE SERVICE at 02 123 5444 ; press 4.

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Special privilege for new KTC credit cardmembers to get a maximum accident insurance coverage limit of 300,000 THB for 90 days with no cost from the date of card activation from 1 Jan 26 - 31 Dec 26.

After the member completes the transaction according to the specified conditions, they will be contacted by an insurance company representative to confirm the accident coverage received.

Terms and conditions

1. Benefits of this PA insurance coverage is for new applicants of primary KTC credit cards (“members”) with Krungthai Card Public Company Limited or KTC, whose cards have been approved and activated during 1 January 2026 - 31 December 2026 (“Program Period”) according to specified conditions only. This privilege will be automatically granted to card members from the card activation date.
2. Reserved the rights only for applicants who have never been a KTC credit card member of any type with KTC before or cancel card membership not less than 2 years (24 months) ago.
3. We reserve the right to exclude KTC National Blood Center card, KTC Thai Red Cross Society card, KTC SME COMMERCIAL VISA card, KTC VISA CORPORATE card and KTC cards for government agencies to participate on this program.
4. Members who comply with the specified conditions will receive benefits for death protection due to accidents with a maximum credit limit of 300,000 baht for a period of 90 days from the card activation date (free of charge). This does not include death resulting from driving or riding a motorcycle, murder, physical abuse, terrorism, riots, civil war. The conditions of coverage and other exceptions will be as specified in the insurance policy issued by Thai Life Insurance PCL.  and life insurance brokers under this benefit, which is T.C. Insurance Broker Service Company Limited.
5. All rights reserved for applicants aged between 20 - 60 years and holding Thai nationality only.
6. We reserve the right to offer this benefit to a maximum of 1 policy per 1 primary cardholder only.
7. This privilege cannot be redeemed, exchanged, and/or turned for cash and not transferable to another person.
8. KTC is not involved with the insurance products under this list. In the case that members have questions or complaints about coverage under the insurance plan, please contact Thai Life Insurance Public Company Limited at 02 054 8484 on business hours (Monday - Friday from 8:30 a.m. - 5:00 p.m.)
9. Ask for more details about KTC benefits and products by calling KTC EXCLUSIVE SERVICE at 02 123 5444.

Insurance coverage for international & domestic flights and lost or damage baggage. 
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Special privilege for you to obtain a visa to enter a Schengen country. Since the insurance coverage covers the necessary requirements for a Schengen visa, you may request to use this insurance to apply for a Schengen visa without any expenses. Simply contact KTC EXCLUSIVE SERVICE 02 123 5444 to get the insurance policy.

Cash withdrawal with the amount not exceeding the remaining credit limit or maximum of 200,000 THB/day via ATM and maximum of 500,000 THB/day via KTC Mobile app.

Note: The amount of cash withdrawal per time or per day is subject to available credit limit conditions/limitations of each Bank’s ATM and credit card type.

Every 25 THB spent with KTC credit card earn 1 KTC FOREVER point. Points can only be redeemed for products/services at participating stores nationwide. No expiration on KTC FOREVER points.
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While you're out for a run, you can hop into a corner store to buy water, without needing your wallet or phone. Google Fitbit , Garmin Pay , Google Pay และ SWATCHPAY!

With convenient, easy, and contactless payment without the need to swipe your KTC MASTERCARD credit card at participating stores with the Mastercard Contactless signage.