Choose your preferred promotion! "Cash Back up to 1% or Extra points up to 25%" without limiting the maximum amount received throughout the program and can redeem KTC FOREVER to credit cash back 13%

Promotion terms and Conditions

1. This promotional campaign (“this promotion”) is created by Krungthai Card Public Company Limited or KTC to offer benefits to KTC credit card members (“a cardmembers”) who pay for life insurance or health insurance premiums of the Company. FWD Life Insurance Public Company Limited or FWD on products that can be paid by credit card. Both first year insurance premiums and/or renewal year all sales channels with KTC credit card (“a card/cards”) during 1 January 2026 - 30 June 2026 (“promotion period”) according to specified conditions only.
2. spending through the card according to the conditions of this item Limited to full payment of life insurance premiums only. We reserve the right to exclude spending on installment transactions with all types of KTC credit cards, unit linked insurance premiums, interest, credit line usage fees, fines and other fees. Refunds arising from cancellation of purchases of goods/services or refunds arising from all types of refunds to be calculated for credit refunds to members according to this list
3. In the event that a member is registered Or make a transaction to join this promotion, including credit cash back up to 1% and special points up to 25%, or registering more than 1 program, KTC reserves the right to offer benefits according to registered promotions. or make the last entry only 
4. Calculation of cash back/extra points From the spending with the card according to this list, KTC will calculate on a monthly basis according to the calendar cycle. By considering the spending amount that members register to receive privileges according to the conditions only.
5. KTC will credit cash back / transfer special points. into the member's card account within 60 days from the last day of the month that the member makes the payment for insurance premiums via the card and comply with the conditions of this item 
6. Privileges under this program cannot be exchanged, exchanged and/or converted into cash. or transfer the rights to others
7. Conditions for consideration of insurance and coverage are as specified by FWD Life Insurance Public Company Limited . 
8. We reserve the right to give, cancel, withdraw or revoke the benefits under this list. whether in whole or in part including claiming compensation (if any) if it is found that the right to participate in the program is found to have been used dishonestly, dishonestly or fraudulently in order to obtain the right to this program or violate the conditions or the purpose of using the card or the member has canceled the spending and / or canceled the policy after the member has already received the benefits
9. We reserve the right to grant benefits according to this program. For members who maintain membership and have no history of default Throughout the program period until the date KTC has given privileges to members according to this program
10. We reserve the right to change or cancel any details, terms, conditions and/or benefits of this program without prior notice. And in the event of a dispute, the decision of KTC is final.
11. KTC is not involved in the consideration of life insurance. and providing protection under the terms of life insurance according to this list For more information about life insurance products, please contact the Customer Service Center, FWD Life Insurance Public Company Limited, call 1351. 
12. The insured member should study and understand the offer document before making a decision to purchase life insurance/insurance. Once the policy has been received, please study the details of the terms and conditions in the policy.
13. Please study or ask for more information about the promotion at 02 123 5000 or www.ktc.co.th/insurance.  

Conditions for receiving credit cash back up to 1% 

1. We reserve the right to exclude KTC VISA CORPORATE credit card members, KTC cards for government agencies, KTC-National Blood Center credit cards, Thai Red Cross Society, KTC CASH BACK credit cards, all types of KTC SENIOR cards and all types of KTC PROUD cash cards cannot participate in receiving cash back. this 1%
2. Members who wish to claim cash back according to this list Must be registered to be eligible for credit cash back. By sending an SMS message, type FW1, spaces, followed by 16-digit credit card number and send to 061 384 5000 (Messaging costs vary depending on the service provider.). Members must register for privileges before and/or within the transaction date. and received a reply message confirming joining the program from KTC to be eligible to participate in this program and register once Receive privileges throughout the program
3. Members who pay for life insurance premiums or participating health insurance according to the specified conditions Will receive cash back up to 1% of the first year insurance premium and/or the renewal year insurance premium as follows:
   • Pay insurance premium 10,000 - 29,999 baht/sales slip. Get 0.6% cash back of insurance premiums
   • Pay insurance premiums 30,000 - 499,999 baht/sales slip. Receive 0.7% cash back of insurance premiums
   • Pay insurance premiums of 500,000 baht or more/sales slip. Get 1% cash back of insurance premium
4. We reserve the right to exclude all types of KTC points for spending via the card. That is used to calculate for credit cash back up to 1% according to this list, which members will receive normal points from such spending. into the card account of members automatically And all such points will be deducted from the member's card account within the same day as the day that the cardmember will receive a credit cash back into the card account according to this list. from the card account KTC reserves the right not to credit cash back according to this program to all members.

Conditions for receiving special points up to 25% 

1. We reserve the right to exclude KTC VISA CORPORATE credit cards, KTC cards for government agencies, KTC-National Blood Center credit cards, Thai Red Cross Society, KTC CASH BACK credit cards, all types of KTC SENIOR cards and all types of KTC PROUD cash cards cannot participate in the special points program. got this
2. Members who wish to receive special points according to this list Must be registered to receive privileges before making the transaction. By sending an SMS message, type FW2, spaces, followed by 16-digit credit card number and send to 061 384 5000 (SMS service fees depend on the network service provider) by registering once. Receive privileges throughout the program And members must receive a reply message confirming their participation in the program from KTC. will be eligible to participate in this program. participating in the list for any reason KTC will assume that the member has waived the right to participate in the program.
3. Members who pay for life insurance premiums or health insurance according to the specified conditions will receive extra points from normal points The details are as follows:
   • Pay insurance premiums 10,000 -29,999 baht/sales slip. Get extra points 15% of normal points
   • Pay insurance premiums 30,000 - 499,999 baht/sales slip. Get extra 20% extra points from normal points
   • Pay insurance premiums of 500,000 baht or more/sales slip. Get extra points, add 25% of normal points.
4. The extra points according to this list will be calculated from the normal points earned by members. Which is charged at the rate of payment of FWD insurance premiums via KTC credit cards, every 25 baht gets 1 normal point
5. Special points that members receive according to this list will expire on 30 June 2027.

Conditions for every 1,000 KTC FOREVER points redeem 13% cash back

1. We reserve the right to exclude KTC VISA CORPORATE credit card members, all types of KTC - ROYAL ORCHID PLUS credit cards, KTC cards for government agencies, KTC credit cards - National Blood Center, Thai Red Cross Society and KTC credit cards, all types of KTC SENIOR cards and all types of KTC PROUD cash cards. CASH BACK cannot participate in this cash back redemption program.
2. Members who wish to redeem cash back under this program Must register to redeem points for credit cash back every time you spend. By sending an SMS message, type FWR, space, followed by 16-digit credit card number, followed by a tick. #And the number of points you wish to redeem for cash back, send to 061 384 5000 (SMS service fees depend on the network service provider) 1 SMS / policy / sales slip within the same day as the transaction date The member must receive a reply confirmation of joining the program from KTC. to be eligible to participate in this program 
3. In the event that a member registers for privileges more than 1 time per policy, KTC will uphold the registration that has been registered. Specify the maximum number of points that can be redeemed for the highest credit cash back. to calculate the credit cash back into the card account of registered members In the event that the member has canceled the card participating in the list for any reason KTC will assume that the member has waived the right to participate in this program. 
4. Members who pay for life insurance premiums or health insurance via the card every 1,000 baht or more per sales slip within the program period Members can use every 1,000 points to redeem cash back in the amount of 13% or 130 baht according to the specified conditions.
5. Members can use KTC FOREVER points as specified to redeem for cash back. For payment of goods/services per 1 sales slip and per 1 policy only Cannot separate sales slips
6. We reserve the right to redeem cash back under this promotion. Only for members who have KTC FOREVER points in the member's credit card account on the date KTC calculates enough points to redeem credit cash back according to the conditions specified in this list only.