Credit Card

KTC UNIONPAY DIAMOND

No entrance fee and annual fee.

Providing advices and information/assistance on

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

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, up to 10 months, easily via the KTC Mobile app or by calling KTC PHONE 02 123 5444; press 4.

Installment payment terms & conditions

1. Except for the product/service which participate in 0% installment payment program, all types of KTC VISA / MASTERCARD / JCB / UNIONPAY cardmembers can apply for KTC Installment Payment at 0.74% per month. Cardmembers may choose term of payments over 3 – 10 months.
2. KTC reserves the right to limit eligibility for all types of KTC VISA CORPORATE GOLD credit card, and KTC Government Service credit card.
3. Fixed interest rate at 0.74% per month equivalent to effective interest rate of 15.07% per year for 6 months, 15.71% per year for 9 months, and 15.83% per year for 10 months installment plan.
4. Each spending of 25 THB via Installment Payment with KTC, you will receive 1 KTC FOREVER point.
5. For converting any purchase of product and service by KTC PHONE, the spending must be at a minimum of 3,000 Baht, which is the spending amount per sales slip at a minimum of 500 Baht.
6. For more details, please contact KTC PHONE 02 123 5000, press 4.

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 25 – 31 Dec 25.

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

• 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 2025 - 31 December 2025 (“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 at KTC PHONE 02 123 5000.

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

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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.

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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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 December 2026.
• Alipay waives fees until 10 July 2026.

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.