The KTC Mobile app supports iOS version 11 and Android version 6 and above. You can download it from the Apple App Store, Google Play, and Huawei AppGallery.
You can register the KTC Mobile app on only one device at a time.
For security purposes, KTC needs to verify that the phone number provided matches the one sent by the network service provider.
You can change your phone number by contacting KTC PHONE at 02 123 5000.
You can simply register the KTC Mobile app on your new device. The KTC Mobile app on your old device will no longer be functional once the registration on the new device is completed.
The card information shown on the KTC Mobile app includes:
1. Cardholder Name
2. Card Name
3. Card Number
4. Expiration Date
5. CVV
CVV of the KTC DIGITAL credit card is Dynamic, changing every time you request it. It will remain valid for 24 hours.
If the CVV has expired or is forgotten, a new one can be requested via the KTC Mobile app anytime.
Activate the KTC DIGITAL credit card by enable the Card-Not-Present spending limit via the KTC Mobile app. The Card can be used instantly after activated.
To adjust the Card-Not-Present spending limit, go to the “Spending Control” menu via the KTC Mobile app.
The KTC DIGITAL credit card can be used for
1. All types of Card-Not-Present transactions (Online Transactions, QR Payment, phone/postal orders, and International Recurring Payments)
2. Link the cards to the Wallet application.
3. Link the cards to Device Payment services such as Google Pay, Fitbit Pay, Garmin Pay and SwatchPAY!
4. Online cash withdrawals
The numberless card must be activated before it can be used at stores.
The activated numberless card and the digital card will display the same information of KTC DIGITAL credit card.
You can view card number, expiry date, and request Dynamic CVV on the KTC Mobile app.
The numberless card still can purchased with an inserted or tap (contactless payment) on Electronic Data Capture (EDC).
It is unable to withdraw cash through an ATM with the numberless card inserted, due to it has no magnetic stripe. Alternatively,
it is recommended to withdraw cash by transferring it to your bank account via the KTC Mobile app.
You can block card temporary via the KTC Mobile app or contact KTC PHONE 02 123 5000.
The replacement card of KTC DIGITAL credit card with a new card number is issued only a digital card on the KTC Mobile app.
Then, you can "request a numberless card" by yourself via the KTC Mobile app after activating a digital card.
A card can be temporarily blocked for up to 7 days from the blocking date.
If the card is not unblocked within this period, it will be permanently blocked. The replacement card will be issued and delivered to your billing address. A new card issuance fee will be calculated.
You can check the last date for unblocking the temporarily blocked card from the push notification received after the temporary card block via the KTC Mobile app has been successful.
The step is similar to starting a temporary card block. During the step, deactivate the temporary card block to unblock it.
Notes: Unblock via the KTC Mobile app is only available for cards blocked via the app.
For cards blocked through KTC PHONE, please contact KTC PHONE at 02 123 5000 to unblock.
Only all types of KTC VISA, KTC MASTERCARD, and KTC UNIONPAY credit cards can be used for QR Payments.
The QR Payment with a credit card can be used at merchants with Visa, Mastercard, or UnionPay symbol on the QR signs. Use the KTC Mobile app to scan the QR code and select a card to pay.
Only all types of KTC UNIONPAY credit card are eligible.
The QR code can be used at merchants with UnionPay or YunShanFu symbol on the QR signs in Thailand and overseas.
Yes, the generated QR code can be used by merchants in any country worldwide, including Thailand by selecting the country to "Others".
Exception for transactions in China, It's required to change the country to "China" to generate a specific QR code and barcode for China.
Installment payment via KTC Mobile app:
It's allowed to convert full-payment transactions into installments on your own and can be applied to any transaction from any merchant. Available year-round, without promotions required.
In-store installment payment:
Limited to specific promotions and time periods offered and only applicable to certain transactions based on the terms and conditions provided by KTC and the merchants.
Only all types of KTC credit cards are eligible.
Except for:
- All types of KTC VISA CORPORATE credit card
- KTC GOVERNMENT SERVICES credit card
Any transaction that has already been charged by the merchant can be converted into an installment payment before the statement closing date. There is no minimum transaction amount required, except fines, interest charges, or other transactions as specified by KTC are not eligible.
Only eligible transactions will be displayed during the installment payment conversion step.
Installment period are 3, 6, or 10 months with a monthly interest rate of 0.74%.
The remaining installment payment can be checked through the KTC Mobile app by selecting the credit card used for the transaction. Then, choose "Credit Limit Used for Installment" in the Account section to see details of ongoing installments for the selected card.
Yes, please contact KTC PHONE at 02 123 5000 for more details and to inquire about paying off the remaining installment balance.
The list of banks that you can withdraw or transfer funds to includes a total of 15 banks:
1. Krungthai Bank
2. Bangkok Bank
3. Bank of Ayudhya
4. Kasikorn Bank
5. Kiatnakin Phatra Bank
6. Citibank
7. CIMB THAI Bank
8. TMB Thanachart
9. TISCO Bank
10. Siam Commercial Bank
11. Bank for Agriculture and Argricultural Cooperatives
12. United Overseas Bank
13. Land and Houses Bank
14. Government Savings Bank
15. Government Housing Bank
There is no fee for cash withdrawal using KTC PROUD and KTC P BERM cash cards, except for credit cards which incur a 3% fee (+ VAT 7%) based on the withdrawn amount per transaction.
For credit cards, the minimum withdrawal amount is 500 baht per transaction, while for KTC PROUD and KTC P BERM cash cards, the minimum withdrawal amount is 1,000 baht per transaction.
Cash can be withdrawn up to the available credit limit of the card.
*The withdrawal limits are subject to KTC's regulations.
KTC PROUD cash card allows cash withdrawals and installment payments when the withdrawal amount is 10,000 baht or more.
The ATM PIN is used for withdrawing cash from an ATM or making payments at merchants where PIN entry is required instead of a signature (mostly abroad stores) .
KTC cardmembers can set an ATM PIN for each card, which can be used for both types of transactions.
- All types of KTC credit card
- All types of KTC PROUD cash card
- All types of KTC P BERM cash card
One ATM PIN can be set per card.
Yes, an ATM PIN can be set. In case of the mobile number provided with KTC is not activated while traveling abroad, an OTP via email can be selected to set the ATM PIN.
Yes, a new ATM PIN can be set without requiring the old one (both in case of forgetting the old one or the ATM PIN of the new card has not yet been set up).
Once the new PIN is successfully set, it can be used immediately.
It's recommended to set a new ATM PIN with the required number of digits with the option of a 6-digit or 4-digit PIN.
Linking KTC card to Google Wallet via the KTC Mobile app on an iOS device is not available. Google Pay is valid on Android devices only.
Only KTC VISA card can be linked to Google Wallet via the KTC Mobile app.
Note : Cardmembers will soon be able to link KTC MASTERCARD card via the KTC Mobile app.
You need to register for the Krungthai NEXT app. Within the KTC Mobile app, the Krungthai Bank account will able be selected as a payment option for KTC bills.
You can check the information under "Payment Amount Due" on the "Card Info" page to see if the payment was successful.
You can choose to generate a QR code or barcode and set the payment amount within the QR code or barcode and save the image on your device. You can then use it to make KTC bill payments through alternative payment channels.
The latest statement will be available within 2 days after the statement closing date .
The past statements can be viewed for up to 6 months.
If there is no statement issued for a particular month, that month's statement will not be displayed.
A payment due date reminder can be set up to 7 days in advance, or on the due date. This setting applies to all KTC products.
Except for KTC P BERM Car for Cash, the reminder is set on the due date specified by KTC.
Setting the payment due date reminder before the statement closing date will apply to the current billing cycle.
In case of setting it after the statement closing date will apply to the next billing cycle.
In case of the KTC bill payment is made before the specified reminder date, the payment due date reminder is not reminded for that cycle.
There are several advantages, such as:
- Receiving the statement quickly, within 2 days after the statement closing date.
- Storing the statement via email, worry-free about getting lost or damaged.
- Convenient access to past statements from anywhere via email.
- Helping the environment by reducing the use eof paper, water, electricity, and lowering carbon dioxide emissions.
Changing the receiving channel before the statement closing date will apply to the current billing cycle.
In case of changing it after the statement closing date will apply to the next billing cycle.
After making the change, the receiving channel can be changed again after 30 days.
The statements can be sent to the email address provided to KTC (the same email used during the KTC Mobile app registration), which will be displayed during the change.
In case the email address needs to be changed for both KTC Mobile app registration and receiving e-statements, please contact KTC PHONE at 02 123 5000.
Yes, when receiving the statement via email is enabled, it's allowed to enter the preferred email address. KTC will send a confirmation email to the provided address. The confirmation of the email must be done within 24 hours to activate the service.
This email will be used for receiving the notifications about login, transactions as well as updates from KTC.
No, when changing the statement receiving channel via the KTC Mobile app, it can be selected only one channel. Changing to receive the statement via email, will cancel the postal mail.
All types of KTC credit card which have KTC FORVER points can redeem coupons
(except KTC - ROYAL ORCHID PLUS credit cards which have KTC FORVER points)
Yes, you can select and redeem multiple coupons at once. You will need to have sufficient points and credit limit to cover the total no. of coupons being redeemed.
You can view all your coupons in the "My Coupon" menu.
You can view coupons that are about to expire under the "Near Expiry Coupons" section. It will display coupons that have remaining validity period equal to or less than 7 days.
Yes, you can click the "Copy" button next to the Text Code to copy it and then paste it elsewhere.
After using a coupon, it will be valid for 15 minutes. After that, it cannot be used anymore.
Once a coupon is closed, it cannot be used anymore.
In the case of displaying a code for redemption at a store, it is recommended to confirm with the staff if they have scanned the code successfully before closing the coupon.
You can view the used coupons in the "Coupon Usage History" section, which displays the history of coupons used within the past 7 days.
Expired coupons cannot be used anymore. The coupon will no longer be displayed in the app after its expiration date.
To view coupons that are about to expire, go to the "About to Expire Coupon" section. This will display any coupons with 7 days or less remaining before they expire.
KTC will credit the cashback or extra points to card account within 5 days from the date of using the coupon.
For coupons received from promotions of spending were made with the card, cashback or extra points will only be credited for transactions that have already been charged by the merchant.
Cashback or extra points will be credited to the card account and cannot be exchanged for cash or transferred to others.
In case of cashback, it will be deducted from the credit usage of the card account used.
The used coupons can be viewed in the "Coupon Usage History" section, which displays the history of coupons used within the past 7 days.
Expired coupons cannot be used anymore. The coupon will no longer be displayed in the app after its expiration date.
สามารถลดหย่อนภาษีได้ทุกมูลนิธิ/องค์กรการกุศลที่เปิดให้แลกคะแนนเป็นเงินบริจาคบนแอป KTC Mobile ยกเว้นสมาคมศิษย์เก่าสวนกุหลาบวิทยาลัยฯ
การแลกคะแนนเป็นเงินบริจาคบนแอป KTC Mobile เป็นการที่ผู้ถือบัตรยินยอมให้ KTC เปิดเผยข้อมูลส่วนตัวให้แก่มูลนิธิ/องค์กรการกุศลเพื่อการลดหย่อนภาษีตามเงื่อนไขที่กำหนด
รายการแลกคะแนนเป็นเงินบริจาคที่ทำรายการสำเร็จแล้ว ไม่สามารถยกเลิกได้ทุกกรณี
ไม่สามารถทำได้ ท่านจะได้เป็นเครดิตเงินคืนเข้าบัตรเพื่อเป็นวงเงินหักลบกับยอดที่มีการใช้จ่าย
วงเงินจะเข้าบัญชีและสามารถใช้วงเงินได้ต่อทันที
บัตรเครดิตที่มีคะแนน KTC FOREVER และคะแนน ROP และสามารถโอนระหว่างบัตรได้ตามดังนี้
- โอนคะแนนจากบัญชีระหว่างบุคคลเดียวกัน
- โอนคะแนนระหว่างบัตรหลักและบัตรเสริมเท่านั้น
บัตรที่ยกเว้น
- บัตรเครดิต KTC CASH BACK ทุกประเภท
- บัตรเครดิต KTC VISA CORPORATE ทุกประเภท
- บัตรเครดิต KTC GOVERNMENT SERVICES
- บัตรกดเงินสด KTC พี่เบิ้ม
บัตรเครดิต KTC ที่มีเงื่อนไขพิเศษมีดังนี้
1. KTC – ROYAL ORCHID PLUS ทุกประเภท โอนระหว่างกลุ่มที่มีคะแนน ROP ได้ แต่โอนไปบัตรที่มีคะแนน KTC FOREVER ไม่ได้ (บัตรประเภทที่มีคะแนน KTC FOREVER สามารถโอนเข้าหา ROP ได้)
2. KTC – BANGKOK AIRWAYS ทุกประเภท สามารถโอนคะแนนประเภทเดียวกันได้ และไม่สามารถโอนคะแนนออกไปบัตรอื่นได้ แต่บัตรประเภทที่มีคะแนน KTC FOREVER สามารถโอนเข้าได้
3. KTC – AGODA ทุกประเภท สามารถโอนคะแนนประเภทเดียวกัน และบัตร KTC ประเภทอื่นได้ แต่บัตรอื่นไม่สามารถโอนคะแนนเข้าบัตร KTC – AGODA ทุกประเภท ได้
บัตรหลักสามารถโอนหาบัตรเสริมได้ โดยสามารถทำรายการได้ที่เมนูแถบ "บัตรเสริมของฉัน" เพื่อทำรายการโอนคะแนนระหว่างบัตร แต่ผู้ที่ถือบัตรเสริมไม่สามารถโอนคะแนนไปบัตรหลักได้
No, KTC FOREVER / KTC ROP points cannot be transferred to another person's membership account. Points can only be transferred to the account of the cardholder who initiated the transfer. The name and surname on the account must match the information provided to KTC.
The transfer process takes approximately 1-10 business days, depending on the terms and conditions of each membership program. Cardholders can check the status of the transferred points on the membership program’s website or application.
Once a transfer is completed, it cannot be canceled, reversed, or returned to KTC FOREVER / KTC ROP points under any circumstances.
No, there is no fee for transferring KTC FOREVER / KTC ROP points to any membership program.
KTC ROP points can only be transferred to the Thai Airways' Royal Orchid Plus (ROP) mileage program. Transfers to other airline or hotel membership programs are not available.
MAAI by KTC เป็น แอปช่วยรวมคะแนนสะสมจากเครือข่ายพันธมิตรไว้ในที่เดียว เช่น คะแนน KTC FOREVER, คะแนนบางจาก, คะแนน Max Point ,คะแนน VIZ COIN,คะแนน Blue Plus และคะแนน airaisa rewards เป็นต้น โดยมีคะแนน MAAI เป็นคะแนนกลาง เพื่อการ Enjoy สิทธิพิเศษได้มากกว่า
คะแนน MAAI สามารถ แลก e-Coupon ส่วนลด ครอบคลุมทุกหมวดหมู่ Lifestyle และแลกได้มากกว่า 3,500 outlets ทั่วประเทศ เช่น Starbucks, Shopee, Lazada, Tops, Villa Market และอีกมากมาย นอกจากนี้ ยังสามารถใช้คะแนน MAAI สแกนจ่าย เพื่อซื้อสินค้า และบริการที่ร้านค้าถุงเงิน มากกว่า 1.8 ล้าน ร้านค้าทั่วประเทศ
ศึกษาสิทธิพิเศษ และรายละเอียดเพิ่มเติมได้ผ่านแอป MAAI by KTC
ดาวน์โหลดแอป MAAI by KTC ได้ที่นี่ และสมัครใช้งานด้วยหมายเลขบัตรประชาชนเดียวกันกับการสมัครบัตรเครดิต KTC (ไม่สามารถใช้กับการสมัครด้วยหมายเลขหนังสือเดินทางได้)
เมื่อสมัครใช้งานเรียบร้อย สามารถโอนคะแนน KTC FOREVER เป็นคะแนน MAAI ผ่านแอป KTC Mobile ได้ทันที
สามารถโอนเริ่มต้นได้ตั้งแต่ 1 คะแนน KTC FOREVER เป็น 1 คะแนน MAAI (อัตราการโอน 1:1) โดยไม่มีกำหนดจำนวนการโอนขั้นต่ำ และจำนวนการโอนสูงสุดต่อวัน
คะแนน MAAI มีอายุ 2 ปีนับจากวันที่โอนคะแนน โดยคะแนนจะหมดอายุวันที่ 31 ธันวาคม ของปีปฏิทินที่ 2 ยกตัวอย่าง เมื่อโอนคะแนนในวันที่ 1 กรกฎาคม 2566 คะแนน MAAI ที่ได้รับ จะหมดอายุในวันที่ 31 ธันวาคม 2568 ทั้งนี้เงื่อนไขการใช้คะแนนจะเป็นไปตามที่ KTC กำหนด
กรณีโอนเป็นคะแนน MAAI สำเร็จแล้ว จะไม่สามารถโอนกลับมาเป็นคะแนน KTC FOREVER ได้อีก
Only KTC credit card and KTC PROUD cash card are eligible.
The following cards are excluded from this service :
- All types of KTC VISA CORPORATE credit card
- KTC GOVERNMENT SERVICES credit card
- All types of supplementary credit card
- KTC P BERM cash card
No additional documents are required, and the temporary credit limit can be used immediately.
The temporary credit limit can be adjusted by sliding the bar to see the maximum amount that is eligible to increase.
The maximum temporary credit limit available for each individual is subject to KTC's terms and conditions.
The temporary credit limit can be used for 25 to 55 days from the transaction date, in accordance with KTC’s terms and conditions.
You can view the expiration date before confirming the transaction.
Once the period expires, the credit limit will be reverted to the original amount.
For the KTC credit card, the temporary credit limit must be fully repaid and cannot be used for cash withdrawal. However, for the KTC PROUD cash card, it can be used and repaid as usual.
The temporary credit limit can only be applied only to the credit card used for the request transaction. Once the transaction is made, it cannot be applied for a temporary credit limit on other KTC credit cards until the temporary credit limit for the initial card expires.
Yes, the request of a temporary credit limit increase for each product can be done separately during the same period.
Only KTC credit card and KTC PROUD cash card are eligible.
The following cards are excluded from this service :
- All types of KTC VISA CORPORATE credit card
- KTC GOVERNMENT SERVICES credit card
- All types of supplementary credit card
- KTC P BERM cash card
1. under 60 years old
2. There is at least 1 card that has already been activated for 365 days or more.
- KTC credit card and KTC PROUD cash card are evaluated separately.
- All cards that have ever been activated are evaluated.
3. There is no overdue amount for all active KTC credit cards and KTC PROUD cash cards.
Regular Income Earner
- Salary Cerificate/Salary Slip (recent)
- Statement (recent 6-months)
Business Owner/Self-Employed
- Statement (recent 6-months)
The following types of documents could be uploaded :
1. JPG or PNG format (take a new photo or choose one from photo gallery).
2. PDF format (In case a password is required, it must be entered correctly to unlock the document before uploading).
You can upload a maximum of 20 files in total.
The approved credit limit is applied to all credit cards under the same credit limit.
The credit limit is increased for the primary card only, not for the supplementary cards which share the same credit limit.
The permanent credit limit request will apply to credit card and cash card with no additional documents required. However, each product's request is evaluated and approved separately in accordance with KTC’s terms and conditions.
The period that can request the permanent credit limit request again depends on the previous result of the request as follows;
- Approved: 365 days after the result is issued.
- Declined: 180 days after the result is issued.
The criteria for the permanent credit limit increase process comply with the company's policies and conditions.
- the completeness of documentation
- document type
- the timing of document submission
The status of the request could be checked in the permanent credit limit request menu.
The Card-Not-Present Spending Limit setting will impact the following types of transactions:
1. Online Transactions
2. International Recurring Payments
3. QR Payments
4. Mail Orders/ Telephone Orders
In the case of the International Recurring Payments through the KTC card, it is recommended to set the Card-Not-Present Spending Limit to cover the total amount of all International Recurring Payments transactions to ensure successful transactions and the continuous use the subscribed services.
Members of all primary credit cards with normal account status can apply for an additional credit card via the KTC Mobile app immediately.
Except for members who held any of the following products:
- All types of KTC VISA CORPORATES credit card
- KTC GOVERNMENT SERVICES credit card
- All types of supplementary credit card
- All types of KTC PROUD cash card
- KTC CASH loan
- All types of KTC P BERM car for cash loan
It’s possible, however; there is an annual fee of 535 THB per card (VAT included).
This does not include any KTC credit cards that have an annual fee.
In this case, we recommend you to contact KTC PHONE at 02 123 5000 (24 hrs). Our staff is willing to help.
To check the status of your application, just simply go to the "Apply Credit Card and Check Status" menu and select "Check Status”
Please note that this status check is available only for KTC credit cards available for application via the KTC Mobile app.
How to check the status of the credit card application?When go to the "Check Status" menu, the result will be displayed as "Approved.”
The card will appear in the "Account" menu under the "Credit Card" category on the KTC Mobile app.
*The credit card will be sent to the address that previously provided to KTC within 3-7 business days. Please activate the card upon receipt.
The KTC DIGITAL credit card's numberless card displays cardholder's name and does not display any information, including card number, expiry date, and CVV code. Eliminate concerns about data theft.
However, it functions like a standard credit card for store purchases.
You can immediately request a numberless card when you have activated the digital card of the KTC DIGITAL credit card.
There is no fee for requesting a numberless card.
The numberless card requests made via the KTC Mobile app will only be delivered to the address provided to KTC. The address cannot be changed.
If you wish to update your address, please contact KTC PHONE 02 123 5000 to change the card delivery address.
