The Installment payment through KTC PROUD Cash Card is up to 24 months at 0% interest or special flat interest rate starting at 0.99% per month at participating merchants.

Terms and Conditions

• KTC PROUD Cash card members may enjoy 0% Installment payment for participating products as determined only.
• The spending based on remaining credit limit as of purchase time.
• The minimum spending amount shall be provided by any relevant store/seller/service provider or find other terms and conditions at promotional page.
• 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

* For installment term more than 18 months.

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

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

• KTC Credit Card
• KTC PROUD
• Installment
• Merchant
• Promotions

• 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.
• The minimum transaction amount for the installment service will be determined by the conditions of each promotional campaign.
• 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:
  

  Flat Rate	Installment Period (Month) / Effective Rate
  	3	4	5	6	7	8	9	10
  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%

• Members of KTC VISA CORPORATE and KTC GOVERNMENT SERVICES credit cards are not eligible for this installment service.
• 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). 
• For more information, please contact KTC PHONE at 02 123 5000. 

Sample conversion for monthly installments at 0.74% interest

Method of Calculating Monthly Installment Amount

(Spending Amount ÷ Number of Months) + (Spending amount x Interest Rate) = Monthly Installment Amount

For example, the customer has a spending amount of 10,000 Baht and wishes to make an installment payment over 6 months with an interest rate of 0.74% per month. The calculation will be as follows:

• • (10,000 ÷ 6) + (10,000 x 0.74%)
• • 1,667 + 74 = 1,741

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

• 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. 
• The minimum transaction amount for the installment service will be determined by the conditions of each promotional campaign.
• 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 to 10 months. The conversion of the Flat Rate into the equivalent Effective Rate is as follows:
  

  Installment periods (Month)	3	4	5	6	7	8	9	10
  Flat Rate	0.74%	0.74%	0.74%	0.74%	0.74%	0.74%	0.74%	0.74%
  Effective Rate	13.27%	14.13%	14.68%	15.07%	15.35%	15.55%	15.71%	15.83%

• Members of KTC VISA CORPORATE and KTC GOVERNMENT SERVICES credit cards are not eligible for this installment service.  
• 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). 
• For more information, please contact KTC PHONE at 02 123 5000.