Promotion pay the first-year premium for designated Krungthai-AXA Life Insurance plans at Krungthai Bank branches and receive up to 3% cashback with KTC VISA credit card.

1. This promotion (“Promotion”) is organized by Krungthai Card Public Company Limited (“KTC”) to provide privileges to KTC VISA credit cardmembers (“Cardmembers”) who pay the first-year insurance premium for participating insurance plans offered by Krungthai-AXA Life Insurance Public Company Limited (“Krungthai-AXA Life Insurance”) using a KTC VISA credit card (“Card”) at Krungthai Bank branches. Eligible transactions must have a payment amount of THB 200,000 or more per sales slip and be made during 1 September 2026 – 31 December 2026 (“Promotion Period”), subject to the terms and conditions specified herein.
2. The following transactions are not eligible for cashback calculation under this Promotion: cash advance, purchase of all types of funds, payment of Unit Linked insurance premium, installment payment with KTC cards by KTC PHONE/KTC Mobile/KTC Online, existing installment transactions on any KTC credit card, payments of premiums for other types of life insurance, interest charges, credit line usage fees, penalties and all other fees, refunds resulting from cancelled transactions, and any type of refunded amount.
3. Participating insurance plans are as listed below. Krungthai-AXA Life Insurance reserves the right to amend the list of participating insurance plans in accordance with its policies and requirements:
   1. LifePlus+ Saver 25/15
   2. LifePlus+ Saver 20/10
   3. Krungthai Sinmunkong (12PL)
   4. iProtect 85
   5. LifeReady 6
   6. LifeReady 12
   7. LifeReady 18
   8. LifeReady 99
   9. iHealthy Ultra Rider (NHS)
   10. Protection Life 5 Years Term
   11. Protection Life 10 Years Term
   12. Protection Life 12 Years Term
   13. Protection Life 15 Years Term
   14. iShield 05
   15. iShield 10
   16. iShield 15
   17. iShield 20
   18. Krungthai Taweesub
   19. RetireReady 85/6
   20. Worldclass Ready 16/6 with returns based on the reference index (Index-Linked)
   21. Worldclass Legacy 99/5 with returns based on the reference index (Index-Linked)
   22. WealthPlus Ready 90/8 (Non-Participating)
4. Cashback privileges under this Promotion will be awarded as follows:
   4.1 Cardmembers who make an eligible insurance premium payment using one of the following KTC – KRUNGTHAI WEALTH credit cards: KTC – KRUNGTHAI PRIVATE BANKING VISA INFINITE, KTC – KRUNGTHAI PRECIOUS+ VISA SIGNATURE, KTC – KRUNGTHAI ICONIC VISA SIGNATURE, and KTC – KTB PRECIOUS PLUS VISA INFINITE, and hold KRUNGTHAI WEALTH customer status in accordance with the Bank’s qualification, will receive 3% cashback per sales slip.
   4.2 Cardmembers, who make an eligible insurance premium payment using other eligible participating KTC VISA credit card (excluding KTC – KRUNGTHAI WEALTH credit cards ), or Cardmembers, who make an eligible insurance premium payment using a KTC – KRUNGTHAI WEALTH credit card, but do not meet KRUNGTHAI WEALTH customer status requirements in accordance with the Bank’s qualification, will receive 2.5% cashback per sales slip.
   4.3 The total cashback under Clauses 4.1 and 4.2 is capped at a maximum of THB 50,000 per Cardmember throughout the Promotion Period.
5. Eligibility for the 3% cashback is reserved exclusively for Cardmembers, who hold Krungthai Wealth customer status and maintain assets in accordance with the criteria prescribed by Krungthai Bank Public Company Limited (“the Bank”). Cardmembers must continuously maintain such status and qualifications from the date of the qualifying insurance premium payment transaction until the date KTC credits the cashback to the Cardmember’s card account (which KTC will process within sixty (60) days from the last day of the month in which the Cardmember has fully complied with the prescribed conditions). The Bank shall be responsible for verifying and confirming the Cardmember’s status and qualifications prior to authorizing KTC to grant the cashback. KTC shall rely upon and be bound by the Bank’s verification and confirmation results as for the purpose of determining eligibility for the cashback under this Promotion.
6. The following cards are not eligible to participate in this Promotion: KTC VISA CORPORATE credit cards, KTC - THAI RED CROSS - NATIONAL BLOOD CENTRE credit cards, all KTC - CASH BACK credit cards, all KTC - SENIOR credit cards, KTC credit cards for Government Services, KTC - SCG VISA PURCHASING credit card, all KTC - CPAC credit cards, KTC VISA SME COMMERCIAL credit card, all KTC Mastercard credit cards, all KTC JCB credit cards, all KTC UnionPay credit cards, KTC Kluay Kluay card, and all types of KTC PROUD cash cards.
7. Cardmembers wishing to receive cashback under this Promotion must register online for each insurance premium payment transaction at: https://www.ktc.co.th/promotion/insurance-investment/endowment-insurance/ktaxa-x-visa. Registration must be completed before or on the date of the insurance premium payment transaction. In addition, Cardmembers must receive a registration confirmation message from KTC in order to be eligible for cashback under this Promotion.
8. KTC will credit the cashback to the Cardmember’s card account within 60 days from the last day of the month in which the Cardmember makes the qualifying first-year insurance premium payment using the Card, provided that the Cardmember continues to satisfy all terms and conditions of this Promotion and the Bank confirms the Cardmember’s eligibility for the cashback.
9. KTC will provide Krungthai-AXA Life Insurance with transaction information and relevant information relating to customers who have registered for this Promotion for the purpose of verifying and determining the eligibility of the Cardmember and the relevant premium payment transaction in accordance with the specified terms and conditions. By participating in this Promotion, the Cardmember agrees and consents to KTC disclosing and providing such information to Krungthai-AXA Life Insurance for the purpose of administering this Promotion. The verification and eligibility assessment results provided by Krungthai-AXA Life Insurance will be used in determining eligibility under this Promotion.
10. If a Cardmember uses the insurance premium amount under this promotion and registers to receive cashback in accordance with the specified conditions and qualifies for the cashback under this Promotion, but also registers the same insurance premium amount to receive privileges under other promotions, whether before or after registration for this Promotion, the Cardmember will not be entitled to receive privileges under such other promotion. KTC will deem that the Cardmember has elected to receive privileges under this Promotion only and has agreed to cancel any claim for privileges under any other promotions. If KTC subsequently determines that the Cardmember who registered for this Promotion does not meet the applicable conditions for receiving cashback under this Promotion, the Cardmember will not be entitled to revert to or claim privileges under any other promotion for the same transaction.
11. Underwriting approval and insurance coverage are subject to the terms and conditions prescribed by Krungthai-AXA Life Insurance.
12. KTC reserves the right to change or cancel any details, requirements, terms and conditions and/or privileges under this Promotion. Any such changes will be announced or communicated to members at least 30 days in advance before taking effect. In the event of any dispute, KTC’s decision shall be final.
13. KTC is not involved in the life insurance underwriting approval process or the provision of insurance coverage under this life insurance Promotion. For further information regarding life insurance products, please contact Krungthai-AXA Life Insurance Public Company Limited Customer Service Center at 1159.
14. Applicants for insurance should carefully read and fully understand the sales proposal documents before deciding to purchase life insurance/insurance. Upon receipt of the insurance policy, please review the policy details, terms and conditions thoroughly.
15. For further information regarding this Promotion, please contact KTC PHONE 02 123 5000 or visit www.ktc.co.th.
16. Eligibility for Cashback Privileges under this Promotion is limited to the purchase and payment of the first-year insurance premium through branches of Krungthai Bank Public Company Limited only. Cardmembers must complete such purchase and payment within the Promotion Period and during the operating days and hours of the relevant branch as prescribed by the Bank in order to be eligible for the cashback privileges under this Promotion.

General Terms and Conditions of the Promotion

1. Privileges under this Promotion cannot be exchanged or redeemed for cash or transferred to any other person.
2. Privileges under this Promotion are reserved only for Cardmembers who maintain active membership status, have accounts in good standing and have no record of payment default throughout the Promotion Period until the date KTC provides the relevant privilege. KTC’s records shall be deemed final and conclusive.
3. KTC reserves the right to grant, cancel, revoke or reclaim any privilege under this Promotion, in whole or in part, and to claim compensation for damages, if any, if a Cardmember participating in the Promotion is found to be dishonest, fraudulent, or deceitful in order to obtain privileges under this Promotion; uses the Card for commercial or business purposes; uses the Card in breach of the applicable terms and conditions or contrary to its intended purpose for consumer use; or cancels the relevant transaction after KTC has already provided the privilege.
4. Interest charges, penalties, fees of  any kind, cancelled purchase of goods or services, and all types of refunds will not be included in the calculation for granting privileges under this Promotion.
5. Any other terms and conditions not specifically prescribed under this Promotion shall be subject to the terms and conditions prescribed by the relevant merchant, seller and/or service provider. Cardmembers should review the applicable terms and conditions before purchasing any goods or services.
6. KTC is not the manufacturer, distributor or service provider and is not involved in the goods or services offered under this Promotion. For any inquiries or complaints regarding the goods or services, or requests for receipts or tax invoices, please contact the relevant manufacturer, distributor, product owner and/or service provider directly.
7. For further information, please contact KTC PHONE 02 123 5000.