» Payless! with the hedging premium rate not exceeding 2% of currency conversion (From normal rate 2.5%)
» Earn up to x3 KTC point when spending on KTC Credit card according to specific conditions

Type of Credit Card

Benefits

All types of KTC VISA INFINITE credit card, all types of KTC WORLD MASTERCARD credit card and KTC UNIONPAY ASIA PRESTIGE DIAMOND credit card

Earn 3x KTC points for every 600,000 baht when spending in dining, shopping, travel categories in Thailand and spending in foreign currency (Exclude 31 countries in the European Economic Area and People's Republic of China)

All types of KTC X VISA SIGNATURE credit card and all types of KTC X WORLD REWARDS MASTERCARD credit card

Earn 3x KTC points for every 600,000 baht when spending in dining, shopping, travel categories in Thailand and spending in foreign currency (Exclude 31 countries in the European Economic Area and People's Republic of China)

All types of KTC VISA SIGNATURE credit card, All types of KTC WORLD REWARDS MASTERCARD credit card, KTC JCB ULTIMATE credit card and KTC UNIONPAY DIAMOND credit card

Earn 2x KTC points when spending in foreign currency (Exclude 31 countries in the European Economic Area and People's Republic of China)

All types of KTC JCB PLATINUM credit card

Earn 2X KTC FOREVER / ROP points with unlimited points accumulation for spending in Japan (exclude spending in Thai currency)

KTC UNIONPAY PLATINUM credit card

Earn 2X KTC FOREVER points for every spending amount in Hong Kong, Macau and Taiwan in HKD / MOP / TWD currency only


» Enjoy elevated privileges upon spending in the People’s Republic of China: Waive the 3% international credit card transaction fee for all spending when linking any type of KTC UNIONPAY credit card or KTC PROUD UNIONPAY cash card to the Weixin Pay (or WeChat Pay) and Alipay apps.

Remark:
• Weixin Pay waives fees until 31 Dec 26.
• Alipay waives fees until 10 Jul 26.

Special privileges in overseas Click

Details and Conditions

Condition for all types of KTC VISA INFINITE credit card

  1. Earn 1 KTC FOREVER/KTC ROP point for every THB 25 spent with all types of KTC VISA INFINITE credit card.
  2. When spending within Thailand on dining, shopping, and travel (as per specified MCC codes), as well as transactions made in foreign currencies (excluding 31 European Economic Area countries and the People’s Republic of China):
    • Earn 2x KTC FOREVER/KTC ROP points (1 regular point + 1 extra point).
    • Earn an additional extra point for each total spending of THB 600,000.
  4. Eligible Merchant Categories in Thailand (Based on MCC codes):
    • Dining Category: MCC Codes 5462, 5811, 5812, 5813, and 5814 in the Visa system only.
    • Shopping Category: MCC Codes 5094, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5697, 5698, 5699, 5941, 5944, 5948, 5977, 7296, 5111, 5192, 5942, 5943, 5947, 5994, 5310, 5311, 5331, 5964, 5965, 5262, and 5309 in the Visa system only .
    • Travel Category: MCC Codes 3000 – 3350, 4511, 3351 - 3441, 7512, 7513, 7519, 7523, 3501-3840, 7011, 7996, 7998, 4722, 4723, and 5962 in the Visa system only.
      Please check the Merchant Category Code (MCC) information for reference from https://www.ktc.co.th/support/rate/merchant-category-code
  6. Timeframe for crediting extra KTC FOREVER/KTC ROP points:
    • The first extra point will be credited to the cardholder’s account within 60 days after the month in which the eligible transaction was made.
    • The additional extra point (for each total spending of THB 600,000) will be transferred to the cardholder’s account within 60 days after the month in which the spending threshold is met.
  8. Exclusions from earning KTC FOREVER/KTC ROP points:
    • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  10. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER/KTC ROP points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER/KTC ROP points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER/KTC ROP points have been awarded.
  12. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  13. The cardholder’s account must be in good standing at the time KTC FOREVER/KTC ROP awards the KTC points.
  14. This privilege is valid from January 1, 2026 to December 31, 2026.


Condition for all types of KTC WORLD MASTERCARD credit card

  1. Earn 1 KTC FOREVER/KTC ROP point for every THB 25 spent with all types of KTC WORLD MASTERCARD credit card.
  2. When spending within Thailand on dining, shopping, and travel (as per specified MCC codes), as well as transactions made in foreign currencies (excluding 31 European Economic Area countries and the People’s Republic of China):
    • Earn 2x KTC FOREVER/KTC ROP points (1 regular point + 1 extra point).
    • Earn an additional extra point for each total spending of THB 600,000.
  4. Eligible Merchant Categories in Thailand (Based on MCC codes):
    • Dining Category: MCC Codes 5462, 5811, 5812, 5813, and 5814 in the Mastercard system only.
    • Shopping Category: MCC Codes 5094, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5697, 5698, 5699, 5941, 5944, 5948, 5977, 7296, 5111, 5192, 5942, 5943, 5947, 5994, 5310, 5311, 5331, 5964, 5965, 5262, and 5309 in the Mastercard system only.
    • Travel Category: MCC Codes 3000 – 3350, 4511, 3351 - 3500, 7512, 7513, 7519, 7523, 3501-3999, 7011, 7996, 7998, 4722, 4723, and 5962 in the Mastercard system only.
      Please check the Merchant Category Code (MCC) information for reference from https://www.ktc.co.th/support/rate/merchant-category-code
  6. Timeframe for crediting extra KTC FOREVER/KTC ROP points:
    • The first extra point will be credited to the cardholder’s account within 60 days after the month in which the eligible transaction was made.
    • The additional extra point (for each total spending of THB 600,000) will be transferred to the cardholder’s account within 60 days after the month in which the spending threshold is met.
  8. Exclusions from earning KTC FOREVER/KTC ROP points:
    • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  10. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER/KTC ROP points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER/KTC ROP points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER/KTC ROP points have been awarded.
  12. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  13. The cardholder’s account must be in good standing at the time KTC FOREVER/KTC ROP awards the KTC points.
  14. This privilege is valid from January 1, 2026 to December 31, 2026.


Condition for KTC UNIONPAY ASIA PRESTIGE DIAMOND credit card

  1. Earn 1 KTC FOREVER point for every THB 25 spent with KTC UNIONPAY ASIA PRESTIGE DIAMOND credit card.
  2. When spending within Thailand on dining, shopping, and travel (as per specified MCC codes), as well as transactions made in foreign currencies (excluding 31 European Economic Area countries and the People’s Republic of China):
    • Earn 2x KTC FOREVER points (1 regular point + 1 extra point).
    • Earn an additional extra point for each total spending of THB 600,000.
  4. Eligible Merchant Categories in Thailand (Based on MCC codes):
    • Dining Category: MCC Codes 5811, 5812 and 5813 in the UnionPay system only.
    • Shopping Category: MCC Codes 5094, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5697, 5698, 5699, 5941, 5944, 5948, 5977, 7296, 5111, 5192, 5942, 5943, 5947, 5994, 5310, 5311, 5331, 5964, 5965 and 5309 in the UnionPay system only. only .
    • Travel Category: MCC Codes 3000 – 3350, 4511, 3351 - 3441, 7512, 7513, 7519, 7523, 3501-3838, 7011, 7996, 7998, 4722, 4723, and 5962 in the UnionPay system only.
      Please check the Merchant Category Code (MCC) information for reference from https://www.ktc.co.th/support/rate/merchant-category-code
  6. Timeframe for crediting extra KTC FOREVER points:
    • The first extra point will be credited to the cardholder’s account within 60 days after the month in which the eligible transaction was made.
    • The additional extra point (for each total spending of THB 600,000) will be transferred to the cardholder’s account within 60 days after the month in which the spending threshold is met.
  8. Exclusions from earning KTC FOREVER points:
    • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  10. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER points have been awarded.
  12. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  13. The cardholder’s account must be in good standing at the time KTC FOREVER awards the KTC points.
  14. This privilege is valid from January 1, 2026 to December 31, 2026.


Condition for All types of KTC X VISA SIGNATURE credit card

  1. Earn 1 KTC FOREVER point for every THB 25 spent with all types of  KTC X VISA SIGNATURE credit card.
  2. When spending within Thailand on dining, shopping, and travel (as per specified MCC codes), as well as transactions made in foreign currencies (excluding 31 European Economic Area countries and the People’s Republic of China):
    • Earn 2x KTC FOREVER points (1 regular point + 1 extra point).
    • Earn an additional extra point for each total spending of THB 600,000.
  3. Eligible Merchant Categories in Thailand (Based on MCC codes):
    • Dining Category: MCC Codes 5462, 5811, 5812, 5813, and 5814 in the Visa system only
    • Shopping Category: MCC Codes 5094, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5697, 5698, 5699, 5941, 5944, 5948, 5977, 7296, 5111, 5192, 5942, 5943, 5947, 5994, 5310, 5311, 5331, 5964, 5965, 5262, and 5309 in the Visa system only .
    • Travel Category: MCC Codes 3000 – 3350, 4511, 3351 - 3441, 7512, 7513, 7519, 7523, 3501-3840, 7011, 7996, 7998, 4722, 4723, and 5962 in the Visa system only .
    Please check the Merchant Category Code (MCC) information for reference from https://www.ktc.co.th/support/rate/merchant-category-code
  4. Timeframe for crediting extra KTC FOREVER points:
    • The first extra point will be credited to the cardholder’s account within 60 days after the month in which the eligible transaction was made.
    • The additional extra point (for each total spending of THB 600,000) will be transferred to the cardholder’s account within 60 days after the month in which the spending threshold is met.
  5. Exclusions from earning KTC FOREVER points:
    • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  6. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER points have been awarded.
  7. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  8. The cardholder’s account must be in good standing at the time KTC FOREVER awards the KTC points.
  9. This privilege is valid from January 01, 2026 to December 31, 2026.


Condition for All types of KTC X WORLD REWARDS MASTERCARD credit card

  1. Earn 1 KTC FOREVER point for every THB 25 spent with all types of KTC X WORLD REWARDS MASTERCARD credit card.
  2. When spending within Thailand on dining, shopping, and travel (as per specified MCC codes), as well as transactions made in foreign currencies (excluding 31 European Economic Area countries and the People’s Republic of China):
    • Earn 2x KTC FOREVER points (1 regular point + 1 extra point).
    • Earn an additional extra point for each total spending of THB 600,000.
  3. Eligible Merchant Categories in Thailand (Based on MCC codes):
    • Dining Category: MCC Codes 5462, 5811, 5812, 5813, and 5814 in the Mastercard system only
    • Shopping Category: MCC Codes 5094, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5697, 5698, 5699, 5941, 5944, 5948, 5977, 7296, 5111, 5192, 5942, 5943, 5947, 5994, 5310, 5311, 5331, 5964, 5965, 5262, and 5309 in the Mastercard system only .
    • Travel Category: MCC Codes 3000 – 3350, 4511, 3351 - 3500, 7512, 7513, 7519, 7523, 3501-3999, 7011, 7996, 7998, 4722, 4723, and 5962 in the Mastercard system only.
    Please check the Merchant Category Code (MCC) information for reference from https://www.ktc.co.th/support/rate/merchant-category-code
  4. Timeframe for crediting extra KTC FOREVER points:
    • The first extra point will be credited to the cardholder’s account within 60 days after the month in which the eligible transaction was made.
    • The additional extra point (for each total spending of THB 600,000) will be transferred to the cardholder’s account within 60 days after the month in which the spending threshold is met.
  5. Exclusions from earning KTC FOREVER points:
    • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  6. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER points have been awarded.
  7. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  8. The cardholder’s account must be in good standing at the time KTC FOREVER awards the KTC points.
  9. This privilege is valid from January 01, 2026 to December 31, 2026.


Condition for All types of KTC VISA SIGNATURE credit card

  1. Earn 1 KTC FOREVER point for every 25 Baht purchase with all types of KTC VISA SIGNATURE credit card.
  2. Earn 2x KTC FOREVER points = 1 regular point + 1 special point on any purchases in a foreign currency (Exclude 31 countries in the European Economic Area and People's Republic of China)
  3. Exclusions from earning KTC FOREVER points:
    • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  4. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER points have been awarded.
  5. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  6. The cardholder’s account must be in good standing at the time KTC FOREVER awards the KTC points.
  7. This privilege is valid from January 01, 2026 to December 31, 2026.


Condition for All types of KTC WORLD REWARDS MASTERCARD credit card

  1. Earn 1 KTC FOREVER point for every 25 Baht purchase with all types of KTC WORLD REWARDS MASTERCARD credit card.
  2. Earn 2x KTC FOREVER points = 1 regular point + 1 special point on any purchases in a foreign currency
  3. Exclusions from earning KTC FOREVER points:
    • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  4. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER points have been awarded.
  5. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  6. The cardholder’s account must be in good standing at the time KTC FOREVER awards the KTC points.
  7. This privilege is valid from January 01, 2026 to December 31, 2026.


Condition for KTC JCB ULTIMATE credit card

  1. Earn 1 KTC FOREVER point for every 25 Baht purchase with KTC JCB ULTIMATE credit cards
  2. Earn 2x KTC FOREVER points = 1 regular point + 1 special point on any purchases in a foreign currency
  3. Exclusions from earning KTC FOREVER points:
    • Transactions made at merchants in specified merchant  categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  4. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER points have been awarded.
  5. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  6. The cardholder’s account must be in good standing at the time KTC FOREVER awards the KTC points.
  7. This privilege is valid from January 01, 2026 to December 31, 2026.


Condition for KTC UNIONOPAY DIAMOND credit card

  1. Earn 1 KTC FOREVER point for every 25 Baht purchase with KTC UNIONOPAY DIAMOND credit card.
  2. Earn 2x KTC FOREVER points = 1 regular point + 1 special point on any purchases in a foreign currency
  3. Exclusions from earning KTC FOREVER points:
    • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  4. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER points have been awarded.
  5. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  6. The cardholder’s account must be in good standing at the time KTC FOREVER awards the KTC points.
  7. This privilege is valid from January 01, 2026 to December 31, 2026.


Condition for all types of KTC JCB PLATINUM credit card

  1. Earn 1 KTC FOREVER/KTC ROP point for every 25 Baht purchase with all types of KTC JCB PLATINUM credit cards
  2. Earn 2x KTC FOREVER/KTC ROP points = 1 regular point + 1 special point on any purchases in a foreign currency in Japan
  3. Exclusions from earning KTC FOREVER/KTC ROP points:
    • Transactions made at merchants in specified merchant categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  4. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER/KTC ROP points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER/KTC ROP points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER/KTC ROP points have been awarded.
  5. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  6. The cardholder’s account must be in good standing at the time KTC FOREVER/KTC ROP awards the KTC points.
  7. This privilege is valid from January 01, 2026 to December 31, 2026.


Condition for KTC UNIONOPAY PLATINUM credit card

  1. Earn 1 KTC FOREVER point for every 25 Baht purchase with KTC UNIONPAY PLATINUM credit card.
  2. 2x KTC FOREVER points = 1 normal KTC FOREVER point + 1 extra KTC FOREVER point from every spending amount in in Hong Kong, Macau and Taiwan in HKD / MOP / TWD currency.
  3. Every extra KTC FOREVER point will be transferred into the cardmembers’ credit card account within 60 days after the last day of transactions month.
  4. Exclusions from earning KTC FOREVER points:
    • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards).
    • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
  5. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
    • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
    • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER points, or for business-related or commercial purposes.
    • Violating of the specified terms and conditions of card usage.
    • Canceling transactions after KTC FOREVER points have been awarded.
  6. This privilege cannot be exchanged for cash, transferred, or assigned to others.
  7. The cardholder’s account must be in good standing at the time KTC FOREVER awards the KTC points.
  8. This privilege is valid from January 01, 2026 to December 31, 2026.