KTC FOREVER points and KTC ROP are point collecting programs of which are invented by Krungthai Card Public Company Limited, or KTC, to give privilege of points to KTC cardmembers who spend with KTC CREDIT CARDS as defined, except spending with all types of KTC – ROYAL ORCHID PLUS which they will get KTC ROP only. Details on point calculation, point redemption for and/or to pay for products/services as follows;
General regulations and conditions
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Spending with all types of KTC VISA/ MASTERCARD/ JCB/ UNIONPAY gets 1 point from every THB. 25. It excludes all spending mentioned in (2.) of which every 1,000 KTC FOREVER points is equal THB. 100 cash, unless otherwise stated in particular scheme or promotion or marketing, case by case.
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Spending with KTC CREDIT General regulations and conditions
CARDS of which cardmembers do not earn/get points are as follows;
(1) KTC CASH BACK, KTC – THAI RED CROSS NATIONAL BLOOD CENTRE, KTC VISA CORPORATE, KTC GOVERNMENT SERVICES cards
(2) Spending with KTC MASTERCARD under MCC as follows;
- MCC 9211 Court Costs & Alimony & Child Support
- MCC 9222 Fines
- MCC 9311 Tax Payments
- MCC 9399 Government Services -not elsewhere classified
- MCC 9402 Postal Services - Government Only
- MCC 9405 Intra-Government Purchases -Government Only
It includes spending under MCC as follows;
- MCC 4816 Computer Network/Information Services
- MCC 4899 Cable, Satellite, and Other Pay Television and Radio Services
- MCC 5199 Nondurable goods - not elsewhere classified
- MCC 6540 POI Funding Transactions
(Excluding MasterCard® MoneySend™)
- MCC 9223 Bail and Bond Payments
- MCC 4900 Utility Bills
(3) Spending with KTC VISA/MASTERCARD on every item of products/services via every channel of payment, ie. fitness membership fee via counter service, or insurance premium via online agent, and etc.
(4) Spending with KTC SENIOR VISA/MASTERCARD on every Wednesday of which to be calculated for Cash Back
(5) Cash withdrawal amount, fee, utilities bills (electricity, water etc.) (MCC 4900), interest, all type of investment unit payment and all type of Unit Linked Insurance Policy payment (MCC 6211), all types of refund, and tax refund.
(6) Spending with KTC CREDIT CARDS or make a payment for goods/services with KTC CREDIT CARDS via Truemoney Wallet Application at all sales channels of 7-11.
(7) Overseas spending in Thai Baht currency or at merchant register in foreign countries via KTC credit cards.
(8) Spending via KTC VISA / MASTER CARD credit cards at stores in Europe (The European Economic Area - EEA) including 31 countries; 1) Austria, 2) Belgium, 3) Bulgaria, 4) Croatia, 5) Czech Republic, 6) Cyprus, 7) Denmark, 8) Estonia, 9) Finland (including Aland Islands), 10) France (including French Guiana, Guadeloupe, Martinique, Reunion, Saint Martin (French Part), and Mayotte), 11) Germany, 12) Greece, 13) Hungary, 14) Ireland, 15) Italy, 16) Latvia, 17) Lithuania, 18) Luxembourg, 19) Malta, 20) Netherlands, 21) Poland, 22) Portugal (including Azores and Madeira), 23) Romania, 24) Slovakia, 25) Slovenia, 26) Spain (including Canary Islands, Ceuta, Melilla), 27) Sweden, 28) United Kingdom (including Gibraltar), 29) Iceland, 30) Liechtenstein, 31) Norway (including Svalbard and Jan Mayen)
(9) Spending with KTC UNIONPAY under MCC as follows;
- MCC 8398 Charitable and social service organizations
- MCC 8661 Religious organizations
- MCC 4899 Cable and other pay television services
- MCC 4900 Utilities – electric, gas, water, and sanitary
- MCC 5411 Grocery and supermarkets
- MCC 9211 Court Costs & Alimony & Child Support
- MCC 9222 Fines
- MCC 9223 Bail
- MCC 9311 Tax Payments
- MCC 9399 Government Services -not elsewhere classified
- MCC 9402 Postal Services - Government Only
- MCC 9405 Intra-Government Purchases -Government Only
- MCC 1520 General Contractors - Residential and Commercial
- MCC 1771 Concrete Work Contractors
- MCC 5271 Mobile Home Dealers
- MCC 7013 Real Estate Agent-brokers
- MCC 5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts and Leasing
- MCC 5521 Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and Leasing
- MCC 5551 Boat Dealers
- MCC 5561 Camper, Recreational and Utility Trailer Dealers
- MCC 5571 Motorcycle Shops and Dealers
- MCC 5592 Motor Homes Dealers
- MCC 5598 Snowmobile Dealers
- MCC 5599 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers
- MCC 5933 Pawn Shops
- MCC 6012 Financial Institutions - Merchandise, Services
- MCC 4011 Railroads
- MCC 4214 Motor Freight Carriers and Trucking - Local and Long Distance, Moving and Storage Companies, and Local Delivery
- MCC 4458 Tobacco logistics
- MCC 5013 Motor Vehicle Supplies and New Parts
- MCC 5021 Office and Commercial Furniture
- MCC 5039 Construction Materials
- MCC 5044 Office ,Photographic, Photocopy, Microfilm Equipment
- MCC 5045 Computers ,Computer Peripheral
- MCC 5046 Commercial Equipment
- MCC 5047 Dental, Laboratory, Medical, Ophthalmic Hospital Equipment and Supplies
- MCC 5051 Metal Service Centers and Offices
- MCC 5065 Electrical Parts and Equipment
- MCC 5072 Hardware, Equipment and Supplies
- MCC 5074 Plumbing and Heating Equipment and Supplies
- MCC 5111 Stationery, Office Supplies,and Printing and Writing Paper
- MCC 5122 Drugs, Drug Proprietors
- MCC 5131 Piece Goods, Notions, and Other Dry Goods
- MCC 5137 Men’s, Women’s, and Children’s Uniforms and Commercial Clothing
- MCC 5139 Commercial Footwear
- MCC 5172 Petroleum and Petroleum Products
- MCC 5192 Books, Periodicals and Newspapers
- MCC 5193 Florists’ Supplies, Nursery Stock and Flowers
- MCC 5198 Paints, Varnishes and Supplies
- MCC 5398 Corporate wholesale
- MCC 5998 Tent and awning shops
- MCC 6051 Non-Financial Institutions - Foreign Currency, Money Orders (Not wire transfer), Scrip, and travelers’ checks
- MCC 5094 Precious Stones and Metals, Watches and Jewelry
- MCC 9498 Credit card bill payment
- MCC 4121 Taxicabs and Limousines
- MCC 4215 Courier Services
- MCC 4814 Telecommunication Services
- MCC 5399 Miscellaneous General Merchandise
- MCC 5462 Bakeries
- MCC 5499 Miscellaneous Food Shops
- MCC 5814 Fast Food Restaurant
- MCC 7832 Motion Picture Theatres
- MCC 7999 Recreation Services
- MCC 8062 Public Hospitals
- MCC 8211, 8220, 8241, 8244, 8249, 8299 School and Educational Services
(10) Spending with KTC CREDIT CARDS under MCC as follows;
- MCC 4111 Local and Suburban Commuter Passenger Transportation, Including Ferries.
- MCC 4112 Passenger Railways: State Railway of Thailand (SRT) and SRT Electric Train Company (SRTET).
- MCC 4131 Bus Lines: Bangkok Mass Transit Authority (BMTA) and The Transport Co. Ltd.
- MCC 4784 Tolls and Bridge Fees: Expressway Authority of Thailand (EXAT), Department of Highway (DOH), BEM and Don Muang Tollway Public Company, via Easy Pass and M Pass tollway radio-frequency identification (RFID) tags.
(11) Spending via KTC VISA / MASTER CARD credit cards at stores in People's Republic of China (not include Special Administrative Region ex. Hong Kong, Macao).
KTC reserves the right not to give cash back credit for the spending via KTC CASH BACK VISA/ MASTERCARD credit card and KTC SENIOR VISA/ MASTERCARD credit card in the category as KTC specify in clause 2 (2) –(11)
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KTC reserve the right to change items of products/services/shops/stores of which participate the scheme, details of KTC FOREVER points and its value to redeem for and/or to pay for products/services according to appropriate period and conditions, including expiry date of KTC FOREVER points according to conditions defined.
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KTC FOREVER points will be cancelled or ended with cases as follows;
(a) Cardmembers use KTC FOREVER points to redeem for products/services.
(b) KTC revoke or cancel the KTC FOREVER points.
(c) The membership is ended by cardmembers or KTC.
(d) Cardmembers use their KTC CREDIT CARDS in their own shop/store, do fraudulant transaction or counterfeit or for commercial trades or against condition stated or with wrong objectives to earn the KTC FOREVER points, be it some or all.
(e) Cardmembers default on payment with outstanding balance of 90 days up*
*The mentioned condition is effective since 1 April 2012 onwards.
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Cardmembers with active membership of KTC VISA/ MASTERCARD/ JCB/ UNIONPAY and have no default on payment/expense during defined period, have not broken any agreement with KTC, or whose KTC CREDIT CARDS was terminated with any reason at all on the date they request for privilege, are eligible to redeem KTC FOREVER points for and/or to pay for products/services in the KTC FOREVER points scheme and/or transfer the KTC FOREVER points between KTC CREDIT CARDS of the same cardmembers or cardmembers with same surname.
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Cardmembers can transfer the KTC FOREVER points between KTC CREDIT CARDS of the same cardmembers or cardmembers with same surname according to conditions defined, but in the case of cardmembers wish to cancel any KTC CREDIT CARDS of themselves, they have to transfer the KTC FOREVER points between KTC CREDIT CARDS of the same cardmembers or cardmembers with same surname prior to the cancellation, or else the KTC FOREVER points in the mentioned credit card account will be automatically terminated once the credit card was cancelled.
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Distribution, service, delivery, installation, maintenance, quality control and guarantee, after-sales service, including responsibility for damage or default of products/services in the KTC FOREVER points scheme are all under responsibility of the distributors/service providers. Cardmembers can directly contact the shops/stores. KTC is not involved in all mentioned activities with the shops/stores participating the KTC FOREVER points scheme at all.
How we calculate KTC FOREVER points
1.Calculation of KTC FOREVER points of KTC CREDIT CARDS
(1) KTC will calculate KTC FOREVER points from spending on products/services with all types of KTC VISA/ MASTERCARD/ JCB/ UNIONPAY according to conditions defined, both in Thailand and other countries. Cardmembers will earn/get 1 KTC FOREVER point from every THB. 25 spending. The points will be automatically transferred into their KTC credit card account. It excludes Visa Electron - Krungthai debit card of which cannot participate the KTC FOREVER point redemption for and/or pay for products/services scheme.
(2) KTC will calculate KTC FOREVER points at every posting of spending and will show in the credit card statement of each KTC CREDIT CARDS account.
(3) KTC reserve the right not to give or permit cardmembers to use KTC FOREVER points earned from spending with KTC CREDIT CARDS on their own shop/store, do fraudulant transaction or counterfeit or for commercial trades or against condition stated or with wrong objectives.
(4) KTC reserve the right to cancel or revoke the KTC FOREVER points or products, gift, discount, or any other privilege from the use of KTC FOREVER points, including to demand the cardmembers to pay for all the price and privilege gained from the KTC FOREVER points.
2. Calculation of KTC ROP of all KTC-ROYAL ORCHID PLUS
(1) KTC will calculate KTC ROP points from spending on products/services/utility with all types of KTC – ROYAL ORCHID PLUS card according to conditions defined, both in Thailand and other countries. Cardmembers will earn/get 1 KTC ROP point from every THB. 25 spending. It excludes spending on cash advance, fee, electricity bill, interest, and etc. The points will be automatically transferred into their KTC CREDIT CARDS account.
(2) KTC will calculate KTC ROP points at every month of spending and will show in the credit card statement of each KTC CREDIT CARDS account.
(3) In the event that the member makes a transaction for payment of goods / services via KTC credit card installments, the member will receive KTC ROP points according to the amount of each installment Or according to the promotion conditions
(4) KTC ROP points can be redeemed for ROYAL ORCHID PLUS miles only.
(5) KTC reserve the right not to give or permit cardmembers to use KTC ROP points earned from spending with KTC CREDIT CARDS on their own shop/store, do fraudulant transaction or counterfeit or for commercial trades or against condition stated or with wrong objectives. KTC reserve the right to cancel or revoke the KTC ROP points or products, gift, discount, or any other privilege from the use of KTC ROP points, including to demand the cardmembers to pay for all the price and privilege gained from the KTC ROP points.
How to use KTC FOREVER points
1. To use it as redemption for and/or to pay for products/services
(1) Cardmembers can redeem KTC FOREVER points for and/or to pay for products/services of which showing a sign of KTC FOREVER with 2 practice:
(1.1) Use KTC FOREVER points for cash to redeem for or to pay for products/services.
(1.2) Use KTC FOREVER points to redeem for or to pay for products/services according to conditions defined by KTC with 2 ways:
(2) Use KTC FOREVERpoints to redeem for or to pay for products/services
(3) Use KTC FOREVER points and pay some additional cash to redeem for or to pay for products/services, by which KTC will bill the price difference on cardmembers’ credit card account and show it on credit card statement on the date of privilege used. For revolving loan, cardmembers can pay for the mentioned price difference with cash. In case that cardmembers do not have available credit line to pay for the mentioned price difference, KTC reserve the right to cancel the privilege of redemption for or to pay for the mentioned products/services.
(4) KTC FOREVER points from all KTC VISA/ MASTERCARD/ JCB/ UNIONPAY (except specific cards obviously defined by KTC) of cardmembers with same name or same surname can be collected to redeem for and/or to pay for products/services just by cardmembers informing KTC PHONE 02 123 5000 of their wish to collect the points together prior to the redemption.
(5) KTC FOREVER points from principal card can be added up with KTC FOREVER points from supplementary card by which the principal cardmembers informing their wish of point collecting to KTC PHONE 02 123 5000 prior to the redemption for or to pay for products/services, except for what defined in the above (2) and (3) that the KTC FOREVER points cannot be transferred to other cardmembers.
(6) In case of cardmembers wish to cancel KTC CREDIT CARDS, they must have completed the use of redemption for or to pay for products/services at least by 30 days before the cancellation.
(7) For supplementary cardmembers, they can redeem for or to pay for products/services from the KTC FOREVER points in their own credit card account only.
(8) Products/services of which participate the KTC FOREVER points scheme already include VAT tax, unless other obviously defined by KTC.
(9) Cardmembers can check available KTC FOREVER points in their KTC CREDIT CARD account at KTC PHONE 02 123 5000
2. How to redeem KTC ROP for KTC – ROYAL ORCHID PLUS miles of Thai Airways
(1) All KTC – ROYAL ORCHID PLUS cardmembers can redeem KTC ROP for KTC – ROYAL ORCHID PLUS miles of Thai Airways with rate as follows:
- 2 KTC ROP points = 1 KTC – ROYAL ORCHID PLUS miles of Thai Airways for all KTC – ROYAL ORCHID PLUS cards
(2) All KTC VISA/ MASTERCARD/ JCB/ UNIONPAY cardmembers (except specific cards obviously defined by KTC) can redeem KTC FOREVER points for KTC – ROYAL ORCHID PLUS miles of Thai Airways with rate as follows:
- 2 KTC FOREVER point = 1 KTC – ROYAL ORCHID PLUS miles of Thai Airways for KTC X VISA SIGNATURE, KTC VISA SIGNATURE, KTC X WORLD REWARDS MASTERCARD and KTC WORLD REWARDS MASTERCARD, KTC UNIONPAY DIAMOND, KTC VISA PLATINUM, KTC PLATINUM MASTERCARD, KTC JCB PLATINUM, KTC UNIONPAY PLATINUM and KTC TITANIUM MASTERCARD all types.
- 10 KTC FOREVER points = 1 KTC – ROYAL ORCHID PLUS miles of Thai Airways for any other KTC CREDIT CARDS except the above mentioned.
Please note that the KTC ROP point redemption rate and/or the KTC – ROYAL ORCHID PLUS miles of Thai Airways can be changed due to the airfare or tour package, products/services, and/or cost and relevant expense according to economic situation and marketing. KTC reserve the right to change the mentioned redemption rate and/or the KTC – ROYAL ORCHID PLUS miles of Thai Airways without notice in advance. Cardmembers can check the mentioned rate every time prior to they join the scheme at KTC PHONE 02 123 5000.
(3) Cardmembers who wish to redeem for KTC – ROYAL ORCHID PLUS miles must be membership of ROYAL ORCHID PLUS of Thai airways. If they have not, they can apply and study details on ROYAL ORCHID PLUS miles at www.thaiairways.com/rop or call 02 356 1111.
(4) The points of which were already redeemed for ROYAL ORCHID PLUS miles cannot be converted back to KTC ROP or to be used in KTC FOREVER points scheme anymore.
(5) The process to redeem for ROYAL ORCHID PLUS miles takes 7 working days. After the KTC ROP redemption, cardmembers can check the details at www.thaiairways.com/rop or call 02 356 1111.
(6) KTC reserve the right to change any details of the scheme without notice in advance.
3. How to redeem KTC FOREVER points for Flyer Bonus points of Bangkok Airways
(1) All KTC – BANGKOK AIRWAYS cardmembers (except specific cards obviously defined by KTC) can redeem KTC FOREVER points for Flyer Bonus points with rate as follows:
- 450 KTC FOREVER points = 300 Flyer Bonus points for all KTC – BANGKOK AIRWAYS credit cards
- 450 KTC FOREVER points = 225 Flyer Bonus points for any other KTC cards except for the above mentioned.
Please note that the KTC FOREVER point redemption rate and/or the Flyer Bonus points of Bangkok Airways can be changed due to the airfare or tour package, products/services, and/or cost and relevant expense according to economic situation and marketing. KTC reserve the right to change the mentioned redemption rate and/or the Flyer Bonus of Bangkok Airways without notice in advance. Cardmembers can check the mentioned rate every time prior to they join the scheme at KTC PHONE 02 123 5000.
(2) Cardmembers who wish to redeem for KTC FOREVER points for Flyer Bonus points must be membership of Flyer Bonus. If they have not, they can apply and study details on Flyer Bonus at http://flyerbonus.bangkokair.com/ffp/home.aspx or call 02 265 5678
(3) The KTC FOREVER points of which were already redeemed for Flyer Bonus points cannot be converted back to KTC FOREVER points scheme anymore. KTC reserve the right not to be responsible for the already redeemed points.
(4) The process to redeem for Flyer Bonus points takes 7 working days. After the mentioned redemption, cardmembers can redeem for air ticket at www.bangkokair.com/flyerbonus
(5) The redemption for gift from Flyer Bonus points scheme depends on conditions defined by Bangkok Airways Public Co., Ltd. only.
(6) Please study more details on the Flyer Bonus points at www.bangkokair.com/flyerbonus
(7) KTC reserve the right to change any details of the scheme without notice in advance.
4. How to redeem KTC FOREVER points for BIG Points of Air Asia
(1) All KTC VISA / MASTERCARD / JCB / UNIONPAY cardmembers (except specific cards obviously defined by KTC) can redeem KTC FOREVER points for BIG Points of Air Asia with rate as follows:
- 2 KTC FOREVER points = 1 BIG Point for KTC VISA INFINITE, KTC WORLD MASTERCARD, KTC VISA SIGNATURE, KTC WORLD REWARDS MASTERCARD, KTC UNIONPAY DIAMOND, KTC VISA PLATINUM, KTC PLATINUM MASTERCARD, KTC JCB PLATINUM, KTC UNIONPAY PLATINUM and KTC TITANIUM MASTERCARD credit cards.
- 10 KTC FOREVER points = 1 BIG Point for any other KTC cards except for the above mentioned.
Please note that the KTC FOREVER point redemption rate and/or the BIG Points of Air Asia can be changed due to the airfare or tour package, products/services, and/or cost and relevant expense according to economic situation and marketing. KTC reserve the right to change the mentioned redemption rate and/or the BIG Points of Air Asia without notice in advance. Cardmembers can check the mentioned rate every time prior to they join the scheme at KTC PHONE 02 123 5000. Cardmembers who wish to redeem KTC FOREVER points for BIG Points must be membership of AirAsia BIG Loyalty Programme. They can apply and study more details on AirAsia BIG Loyalty Programme at www.airasiabig.com or call 02 515 9999 ex. 3.
(2) The KTC FOREVER points of which were already redeemed for BIG Points cannot be converted back to KTC FOREVER points scheme anymore. KTC reserve the right not to be responsible for the already redeemed points.
(3) The process to redeem for Flyer Bonus points takes 7 working days. After the mentioned redemption, cardmembers can check their points and redeem for air ticket of Air Asia at www.airasiabig.com
(4) The redemption for gift from BIG Points scheme depends on conditions defined by AirAsia BIG Loyalty Programme. Cardmembers can check for more details on BIG Points at www.airasiabig.com
(5) KTC reserve the right to change any details of the scheme without notice in advance.
5. How to redeem KTC FOREVER points for Best Western Rewards points.
(1) Only KTC – BEST WESTERN TITANIUM MASTERCARD cardmembers can redeem KTC FOREVER points for Best Western Rewards.
(2) The rate to redeem KTC FOREVER points for Best Western Rewards is 1,000 KTC FOREVER points = 1,000 Best Western Rewards.
(3) Cardmembers can do points for Best Western Rewards via KTC PHONE 02 123 5000, and it takes about 3 working days.
(4) The 16 digits number on last line of KTC – BEST WESTERN TITANIUM MASTERCARD is the number of Best Western Rewards membership.
(5) The KTC FOREVER points of which were already redeemed for Best Western Rewards cannot be converted back to KTC FOREVER points scheme anymore. KTC reserve the right not to be responsible for the already redeemed points.
(6) The point redemption for Best Western Rewards to get voucher for free accommodation at Best Western worldwide can be done instantly, while other types of gift will take about 14 working days. Cardmembers can redeem for gifts at www.bwrewardsasia.com or call 02 656 1260.
(7) The point redemption for gifts in Best Western Rewards scheme depends on conditions defined by Best Western International only.
(8) For more information on Best Western Rewards, please contact www.bwrewardsasia.com
(9) KTC reserve the right to change the privilege, discount, and conditions without notice in advance.
6. How to use KTC FOREVER points for Donation
(1) We reserve the right for all KTC cardmembers with available KTC FOREVER points, except for KTC CASH BACK credit card, KTC –Nation Blood Center, Thai Red Cross Society, KTC VISA CORPORATE, and KTC card for government agencies.
(2) Cardmembers can redeem every 1,000 KTC FOREVER points for THB.100 Donation.
(3) Chulalongkorn University Engineering Alumni Association, Chiang Mai University Alumni Association, Kon Kaen University Alumni Association, and Old Vajiravudh Association Under The Royal Patronage can redeem 3,000 KTC FOREVER points for THB.300 Donation.
(4) The foundation or charity organization will issue tax invoice/receipt and send to cardmembers to be used for tax deduction.
(5) Cardmembers who redeem KTC FOREVER points for cash as Donation after November of every year can use the tax invoice/receipt for tax deduction of the following year.
(6) Once the Points for Donation is done, it cannot be cancelled.
(7) KTC reserve the right to change the conditions or cancel the scheme without notice in advance.
How we cut KTC FOREVER points
When there is any transaction that cardmembers use KTC FOREVER points for or to pay for products/services, KTC system will cut the points according to conditions and in order as follows:
- The system will check whether available points is short/in deficit number. If it is, the system will take the mentioned points to collect with other points with positive value to set the deficit to zero.
- The system will check each expiry date of Bonus ID and deduct the ones which earlier expiry date.
- Then the system will check if the points are Standard Point * or Promotion Point **, being the Promotion Point will be cut first. In case that Standard Point and Promotion Point have the same expiry date, the system will cut the Promotion Point first.
- In case of there is not enough KTC FOREVER points to redeem for or to pay for products/services, KTC reserve the right not to take the redemption.
- In case of there is Point Adjustment, the system will use the same principle of point cutting for the mentioned redemption.
- The Special Point *** can be used to redeem for or to pay for products/services at shops/stores of which take participating KTC CREDIT CARDS or defined by KTC cards or specific cards obviously defined by KTC only, and it will be differently cut by the system and cannot be collectred with Standard Point * or Promotion Point ***
* Standard Point means KTC FOREVER points which cardmembers earn/get from normal spending with KTC CREDIT CARDS.
** Promotion Point means KTC FOREVER points which cardmembers earn/get from spending with KTC CREDIT CARDS during marketing promotion or any other promotion organized from time to time and with restricted period to use.
*** Special Point means KTC FOREVER points which cardmembers earn/get from spending with KTC CREDIT CARDS during marketing promotion or any other promotion organized from time to time at specific shops/stores defined by KTC with conditions to redeem at the defined shops/stores within defined period of time only.
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