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Home / Credit Card / KTC UNIONPAY DIAMOND

KTC UNIONPAY DIAMOND

Covering all spending, life more convenient

No

Annual Fee

2x Points

for foreign currency

Twice a year

MIRACLE LOUNGE access

Apply
  • Back

KTC UNIONPAY DIAMOND

  • Privilege
  • Detail
  • Register
  • Register
KTC mPOS

Privileges

Earn KTC FOREVER points
 

Earn 2x KTC FOREVER points when spending in foreign currency
(Exclude 31 countries in the European Economic Area and People's Republic of China)
from 1 Jan 26 – 31 Dec 26

  • Unlimited points accumulation
  • No expiration on points
  • Countless options for points redemption
Terms and conditions
Complimentary Access to
The MIRACLE LOUNGE twice a year

By presenting your KTC UNIONPAY DIAMOND credit card along with Thai Airways
boarding pass for international flight. The MIRACLE LOUNGE, located in
Suvarnabhumi airport's Concourse A (Level 3), Concourse A1 (Level 3),
Concourse C (Level 3), Concourse D (Level 3), Concourse F (Level 3),
Concourse G (Level 3), Concourse G (Level 4) and SAT-1 terminal
from 1 Jan 26 – 31 Dec 26

Terms and conditions
U Privilege - Special Privilege for you
U Collection

Get discount and privilege from premium stores, restaurants, hotels,
and tourist attractions both locally and internationally.

  Details and conditions
U Plan

Get discount and privilege via U Plan Platform which is electronic Coupon (e-Coupon) from participating merchants via UnionPay International WeChat Official Account and merchant stores.

Annual Fee

No entrance fee and annual fee.

KTC PERSONAL ASSISTANT

Providing advices 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.

 

More Details

Easy Installments

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.

more details
Accidental Insurance

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.

more details
Terms and conditions
  • 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.
  • 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.
  • 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.
  • 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.
  • All rights reserved for applicants aged between 20 - 60 years and holding Thai nationality only.
  • We reserve the right to offer this benefit to a maximum of 1 policy per 1 primary cardholder only.
  • This privilege cannot be redeemed, exchanged, and/or turned for cash and not transferable to another person.
  • 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.)
  • Ask for more details about KTC benefits and products by calling KTC EXCLUSIVE SERVICE at 02 123 5444.
Travel Insurance

Insurance coverage for international & domestic flights and lost
or damage baggage more details

Cash Withdrawal

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.

Rewards Points 

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.

more details
Enjoy privileges with your spending in China.

Waive the 3% international credit card transaction fee for all spending when linking any type of KTC UNIONPAY credit card or KTC PROUD UNIONPAY cash card to the Weixin Pay (or WeChat Pay) and Alipay apps.

Remark:
• Weixin Pay waives fees until 31 Dec 26.
• Alipay waives fees until 10 Jul 26.

Tap & go with UnionPay QuickPass

With convenient, easy, and contactless payment without the need to swipe your KTC UNIONPAY credit card at the participating stores with the UnionPay QuickPass sign.

New Credit Card Customers

Total income start at 50,000 THB
( Foreigners minimum monthly income of 50,000 THB )

Apply Online Service

  • Convenient: Apply and submit documents online 24 hours a day.
  • Submit informationand documents into the system immediately.

Prepare your physical National ID card
and have document image files
ready to start applying.

Apply Now

Scan to Apply

Or

Terms and conditions of 2x KTC FOREVER points
  • Earn 1 KTC FOREVER point for every 25 Baht purchase with KTC UNIONPAY DIAMOND credit cards.
  • Earn 2x KTC FOREVER points = 1 regular point + 1 extra point on any purchases in a foreign currency.
  • The extra point will be credited to the cardholder’s account within 60 days after the month in which the eligible transaction was made.
  • Exclusions from earning KTC FOREVER points:
    • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards.)
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  • KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER points have been awarded.
  • This privilege cannot be exchanged for cash, transferred, or assigned to others.
  • The cardholder’s account must be in good standing at the time KTC awards the KTC points.
  • This privilege is valid from January 01, 2026 to December 31, 2026.

TERMS AND CONDITIONS FOR MIRACLE LOUNGE SERVICES
AT INTERNATIONAL DEPARTURE TERMINAL, SUVARNABHUMI AIRPORT (THE LOUNGE)
  • Reserved for KTC UNIONPAY DIAMOND credit cardholder (Primary Cardholder only) with normal account status who have made at least one transaction after card activation. The transaction must be made at least one day prior to using the MIRACLE LOUNGE service. (Exclude cash withdrawal)
  • Service Usage
    2.1 KTC credit card members can enjoy this privilege 2 times per card per calendar year, and only when traveling internationally with Thai Airways.
    2.2 KTC credit card members must present the following documents to the lounge staff before using the service (1 KTC Credit Card per 1 boarding pass):
    • Boarding pass for Thai Airways international departure flight
    • Physical KTC Credit Card
    2.3 KTC credit card members can use the lounge for up to 2 hours per visit. Additional charges will apply at the rate specified by the Lounge for extended stays.
  • Service Locations
    • Concourse A, A1 Block 2, Level 3 First and Business Class Lounge*
    • Concourse C, Level 3, First and Business Class Lounge
    • Concourse D, Level 3 (Opposite Gate D5/D6) First and Business Class Lounge*
    • Concourse F, Level 3, Business Class Lounge
    • Concourse G, Level 3, First Class Lounge
    • Concourse G, Level 3 (Opposite Gate G2), Business Class Lounge*
    • Concourse G, Level 4, First Class Lounge*
    • SAT-1 Terminal, First and Business Class Lounge*
    * Shower rooms and restrooms available inside the lounge
  • Validity Period: This privilege can be used from January 1, 2026 to December 31, 2026

  • Privilege
  • Detail
  • Register

Apply Online Service

KTC Credit cards and KTC PROUD

QR Code สมัครออนไลน์ด้วยตนเอง
Scan QR Code
to apply online service
Learn more

Apply Online Service

KTC Credit cards
and KTC PROUD

Apply Now Learn more

Add your contact details
for call back service.

Get advice and help with applying KTC products.

บัตรเครดิต KTC KTC Credit Card สินเชื่ออเนกประสงค์ KTC CASH KTC CASH KTC พี่เบิ้ม รถแลกเงิน บิ๊กไบค์ KTC P BERM
Car for Cash (Big bike)
บัตรกดเงินสด KTC PROUD KTC PROUD สินเชื่อทะเบียนรถยนต์ KTC พี่เบิ้ม KTC P BERM
Car for Cash (Car)
KTC พี่เบิ้ม รถแลกเงิน มอเตอร์ไซค์ KTC P BERM
Car for Cash
(Motorcycle)
บัตรเครดิต KTC KTC Credit Card บัตรกดเงินสด KTC PROUD KTC PROUD สินเชื่ออเนกประสงค์ KTC CASH KTC CASH สินเชื่อทะเบียนรถยนต์ KTC พี่เบิ้ม KTC P BERM
Car for Cash (Car)
KTC พี่เบิ้ม รถแลกเงิน บิ๊กไบค์ KTC P BERM
Car for Cash (Big bike)
KTC พี่เบิ้ม รถแลกเงิน มอเตอร์ไซค์ KTC P BERM
Car for Cash
(Motorcycle)

About KTC

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KTC PHONE

02 123 5000
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© 2020 Krungthai Card PCL.
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KTC LIVE CHAT

Live Chat

KTC LIVE CHAT
สมัครบัตรเครดิต KTC
สมัครกดเงินสด KTC PROUD

Thank you for choosing KTC products and services.

The application has been sent. The agent will contact you back by 02 123 6000
within 30 minutes (office hours).
Monday - Friday 08.00 to 20.00
Saturday - Sunday 09.00 to 18.00
Except public holidays.

The application has been sent. The agent will contact you back by 02 123 6000
within 30 minutes (office hours).
Monday - Friday 08.00 to 20.00
Saturday - Sunday 09.00 to 18.00
Except public holidays.

If you would like to follow up your application status, please visit www.ktc.co.th

If you would like to follow up your application status, please visit www.ktc.co.th

© 2019 Krungthai Card PCL.

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