• 0% Installment
  • Convert expenses to installments
  • Promotion
  • How to
KTC MobileInstallment via KTC Mobile

Enjoy 0%
Installment Payment

at over 10,000 merchants nationwide.

KTCKTC

KTC Credit Card

Installment up to
10 months

With starting interest rate 0%

|
KTCKTC

Installment Payment Channels

Convert your expenses into installments up to 10 months with a special interest rate of 0.74% per month, easily.

Credit card Installment Promotions

COOLING SUMMER 2025
COOLING SUMMER 2025

0% installments, get cash back up to 30,000 baht.

1 Mar 25 - 31 May 25

BEAUTY ME with KTC Credit Cards
BEAUTY ME with KTC Credit Cards

Enjoy 0% installment payments for up to 10 months and get unlimited credit cash back.

1 Feb 25 - 31 May 25

Register
AIS, TRUE and DTAC
AIS, TRUE and DTAC

0% installment plan and get up to 15% cashback.

1 Jan 25 - 30 Jun 25

Register
Redeem up to 4 months 0% interest installments + Get 10% cashback
Redeem up to 4 months 0% interest installments + Get 10% cashback

When spending a minimum of 3,000 baht or more per sales slip with participating travel categories

15 Feb 25 - 31 Dec 25

Register
Lotus’s
Lotus’s

Redeem points for credit cash back up to 16%

1 Mar 25 - 30 Jul 25

Register

How to convert expense to installment via KTC Mobile app

1. Select KTC Card then select
"Installment"
Select KTC Card then select "Installment"
1/5
2. Select transection
for installment
Select transectionfor installment
2/5
3. Select Installment Terms
then click "Next"
Select Installment Terms then click "Next"
3/5
4. Review Transaction information
and slide to confirm
Review Transaction informationand slide to confirm
4/5
5. Installment Successful
Installment Successful
5/5
1/5

FAQs

KTC PROUD Cash Card

Installment Payment
up to 24 months

with 0% interest at
participating stores and services.

|
KTCKTC

Cash Advance Promotion

AIS x บัตรกดเงินสด KTC PROUD
AIS x บัตรกดเงินสด KTC PROUD

ผ่อนมือถือทุกรุ่น 0% นาน 24 เดือน ที่ AIS

16 Dec 24 - 31 Oct 25

Enjoy IT promotion
Enjoy IT promotion

0% installment payment get up to 28,000 Baht credit cashback

1 Apr 25 - 30 Jun 25

MTS Gold
MTS Gold

0% installment payment for up to 6 months

1 Feb 25 - 30 Jun 25

Lotus’s
Lotus’s

Redeem points for credit cash back up to 16%

1 Mar 25 - 30 Jul 25

AMWAY
AMWAY

All Items installment payment up to 24 months at AMWAY shops all branches.

1 Jan 25 - 31 Dec 25

  1. Members of KTC VISA / MASTERCARD / JCB / UNIONPAY credit cards can use the installment service with a 0% interest rate exclusively for products participating in the 0% installment promotional campaign, subject to specified conditions. This service can be used within the remaining credit limit at the time of product purchase.
  2. The minimum transaction amount for the installment service will be determined by the conditions of each promotional campaign.
  3. For products not included in the 0% installment promotional campaign, Cardmembers can use the installment service with an special interest rate of month (Flat Rate), with a choice of installment periods ranging from 3 to 10 months. The conversion of the Flat Rate into the equivalent Effective Rate is as follows:

    Slide to see more
    Flat RateLoan Term (Months) / Effective Rate
    3 months4 months5 months6 months7 months8 months9 months10 months
    0.59%10.59%11.28%11.72%12.04%12.27%12.44%12.57%12.67%
    0.60%10.77%11.47%11.92%12.24%12.47%12.65%12.78%12.88%
    0.69%12.38%13.18%13.70%14.06%14.32%14.52%14.67%14.78%
    0.70%12.56%13.37%13.89%14.26%14.53%14.72%14.88%14.99%
    0.74%13.27%14.13%14.68%15.07%%15.35%15.55%15.71%15.83%
  4. Members of KTC VISA CORPORATE and KTC GOVERNMENT SERVICES credit cards are not eligible for this installment service.
  5. This installment service is not available for any transaction related to the payment for all types of funds investment and Unit-Linked insurance plan (MCC 6211).
  6. For more information, please contact KTC PHONE at 02 123 5000.

Installment Payment Service with KTC Credit Cards
For more flexibility in managing your monthly payments, the members of KTC VISA / MASTERCARD / JCB / UNIONPAY credit cards can turn your credit card transactions into monthly installment payments with a starting interest rate of 0% and not exceeding the special interest rate of 0.74% per month, with a maximum installment period of 10 months.

Sample conversion for monthly installments at 0.74% interest

Slide to see more
Balance conversion amount3 months4 months5 months6 months7 months8 months9 months10 months
10,000 Baht3,4072,5742,0741,7411,5031,3241,1851,074
30,000 Baht10,2227,7226,2225,2224,5083,9723,5553,222

Method of Calculating Monthly Installment Amount

(Total spending ÷ Number of months) + (Total spending x Interest rate) = Monthly installment

Example : Customer has total spending of 10,000 Baht and wants to make installment for 6 months with interest rate of 0.74% per month

- (10,000 ÷ 6) + (10,000 x 0.74%)

- 1,666.67 + 74 = 1,740.67 Baht

Therefore, monthly installment is 1,741 Baht per month with interest of 74 Baht per month

The calculation of monthly installment payment for KTC PROUD Cash card
KTC Installment Payment

For flexibility of your monthly payment management, KTC PROUD Cash card members may enjoy installment payment at 0% interest or flat interest 0.99% per month up to 18 months.

Example of the calculation of flat interest rate 0.99% per month

Slide to see more
Total amount3
Months		4
Months		5
Months		6
Months		7
Months		8
Months		9
Months		10
Months		12
Months		15
Months		18
Months
10,000 Baht3,432.332,5992,0991,765.661,527.571,3491,210.111,099932.33765.66654.55

How to calculate installment :

* (10,000/6) + (10,000 x 0.99%) = 1,765.66 Baht/month with interest 99 Baht/month

  1. Members of KTC VISA / MASTERCARD / JCB / UNIONPAY credit cards can use the installment service with a 0% interest rate exclusively for products participating in the 0% installment promotional campaign, subject to specified conditions. This service can be used within the remaining credit limit at the time of product purchase.
  2. The minimum transaction amount for the installment service will be determined by the conditions of each promotional campaign.
  3. For products not included in the 0% installment promotional campaign, Cardmembers can use the installment service with an interest rate of 0.74% per month (Flat Rate), with a choice of installment periods ranging from 3,6,10 months. The conversion of the Flat Rate into the equivalent Effective Rate is as follows:

    Example of the calculation of flat interest rate 0.74% per month

    Slide to see more
    Installment periods (Month)3 Months6 Months10 Months
    Flat Rate0.74%0.74%0.74%
    Effective Rate13.27%15.07%15.83%
  4. Members of KTC VISA CORPORATE and KTC GOVERNMENT SERVICES credit cards are not eligible for this installment service.
  5. This installment service is not available for any transaction related to the payment for all types of funds investment and Unit-Linked insurance plan (MCC 6211).
  6. For more information, please contact KTC PHONE at 02 123 5000.

Terms and Conditions

  1. KTC PROUD Cash card members may enjoy 0% Installment payment for participating products as determined only.
  2. The spending based on remaining credit limit as of purchase time.
  3. The minimum spending amount shall be provided by any relevant store/seller/service provider or find other terms and conditions at promotional page.
  4. For non-participating products, cardmembers may enjoy installment payment at special interest rate whereas credit limit usage fee for KTC Installment Payment Service will be calculated in terms of flat interest rate equivalent to effective Rate as determined in a table of interest rate calculation.

Example of flat interest rate per month and effective interest rate per year

Slide to see more
Interest Rate3 Months6 Months10 Months12 Months15 Months18 Months20 Months24 Months
0.59%--12.67%12.82%12.95%13.02%13.04%13.05%
0.69%--14.78%14.95%15.09%15.15%15.17%15.17%
0.99%17.73%20.09%21.05%21.25%21.39%21.44%--
1.16%*-------24.79%
1.16%**20.58%-24.56%24.77%-24.93%-24.79%

* For installment term more than 18 months.