Krungthai Card Public Company Limited (KTC) delivered total spending growth of 3.6% last year, underscoring strong consumer resilience despite  softer market conditions.


As the first quarter begins, the Lunar New Year remains a key driver of consumer activity. KTC expects credit card spending during the festive week to run approximately 25% higher than normal daily levels, particularly across dining, retail, and travel categories.


Ms. Pranaya Nithananon, Head of Credit Card Marketing at KTC, said that in a moderate economic environment, cardmembers are becoming more disciplined in their spending, placing greater emphasis on value and financial planning.

“Transaction data shows higher usage of reward points to help offset expenses, especially in dining and travel. At the same time, installment spending continues to grow in essential high-ticket categories such as life insurance, healthcare services, and home appliances,” she said.


Spending patterns during the Lunar New Year also reflect clear structural trends tied to family gatherings and everyday living. Historically, supermarket spending rises by more than 35% compared to normal days, restaurant spending increases by about 15%, and Chinese family-style restaurants can see growth of up to 100%. The gold and jewelry category typically expands by around 25%.


In response to these trends, KTC has strengthened partnerships across restaurants, department stores, supermarkets, and travel operators to deliver targeted privileges that help members manage spending more efficiently during the festive period. Key highlights include:

  • Up to 30% discounts at more than 50 leading Chinese restaurants
  • Food delivery discounts of up to THB 120 via major platforms from February 12–17, 2026
  • THB 150 cashback on supermarket spending via VISA QR CREDIT through KTC Mobile
  • Up to 7X reward points, along with additional cashback or discounts of up to 15% at participating department stores
  • 0% installment plans or up to 20% point redemption discounts at participating gold merchants
  • Flight ticket discounts of up to THB 1,000 on routes to China, Hong Kong, and Taiwan, or 5–10% discounts under partner airline terms


KTC also encourages members to make strategic use of KTC FOREVER points to maximize value during the festive season while maintaining effective financial management.


For more information, contact KTC PHONE at +66 2 123 5000 or visit www.ktc.co.th


Note: It is advisable for credit cardholders to use their cards responsibly and repay the full amount by the due date to avoid a 16% annual interest rate.