Privilege to redeem KTC FOREVER points for both the first year and the renewal year, up to 10 months interest free installment payment when you pay for insurance premium with KTC credit card

1. This promotion campaign (“this promotion”) is provided by Krungthai Card Public Company Limited or KTC to offer the credit cash back to KTC credit cardmembers (a cardmember/cardmembers) who have KTC FOREVER points (“KTC Points”) and spend with KTC credit card (“a card/cards”) at Thai Life Insurance, insurance company, and insurance broker under MCC Code 6300 and 5960 at 3,000 Baht up/sales slip during 1 January 2026 – 31 December 2026 (“promotion period”) according to specified conditions only.
2. KTC reserves the right to exclude following card to join this promotion: KTC CASH BACK all types, KTC - THAI RED CROSS NATIONAL BLOOD CENTRE TITANIUM MASTERCARD, KTC VISA CORPORATE and KTC GOVERNMENSERVICES card.
3. When the cardmembers have spending amount on insurance premium with KTC credit card in full payment 3,000 Baht up/sales slip, they can redeem KTC FOREVER points according to specified number for the privilege to change the mentioned spending amount in full payment into interest-free installment payment with KTC (“0% installment payment with KTC”) by notifying their requirement for the privilege via 02 123 5650 prior to the billing date of the billing cycle of the cardmembers. In this regard, there are terms and conditions for the redemption as follows.
     • Use reward points of 20% of product / service value Redeem 0% installment eligible for 3 months;
     • Use reward points of 40% of product / service value Redeem 0% installment privilege for 6 months;
     • Use reward points of 60% of product / service value Redeem 0% installment eligible for 10 months.
   
   For sample;
     - 10,000 baht spending, 2,000 reward points (20%), redeem for 0% installment payment for 3 months
     - 10,000 baht spending, 4,000 reward points (40%), redeem for 0%installment payment for 6 months
     - 10,000 baht spending, 6,000 points (60%), redeem for 0% installment payment for 10 months
4. KTC reserves the right to give cash back by redeeming KTC Points under this promotion for the cardmembers with accumulated KTC Points remaining in their credit card account which is enough in order to redeem for cash back in accordance with specified conditions only.
5. In case the cardmember shall have to pay the spending amount in the transaction of 0% installment payment before the installment period is due, KTC reserves the right not to return the accumulated points that the cardmember uses to redeem for installment payments under this promotion.
6. The privilege under this promotion cannot be exchanged, changed to cash, or transferred to any other party.
7. KTC reserves the right to offer the privileges under this promotion to only cardmembers with normal account status and have no record of default or overdue payment throughout the promotion period until the day on which the privileges are granted to the cardmembers, in accordance with KTC’s existing record.
8. KTC reserves the right to offer, cancel, revoke or recall any privileges under this promotion, wholly or partially, including the claim of compensation for damages (if any) if fraudulent activities are committed in order to receive the privileges under this promotion, or if the card is used for any commercial purpose, in breaching of determined conditions, or for any non-consumption purpose, or when the transaction is cancelled after KTC granted the privileges under this promotion to the cardmembers.
9. KTC reserves the right to amend, change, or cancel the terms and conditions, details, and/or privileges of this promotion  without prior notice. In the case of any dispute, KTC’s decision is deemed final.
10. KTC has no involvement regarding any insurance underwriting and insurance coverage under this promotion. For more information on details of travel insurance products, please call the insurance company and insurance broker who proposed you with the insurance/life insurance products.
11. Other terms and conditions which are not specified herein should be according to the life insurance company, the insurance company, the insurance broker, and the life insurance broker. The cardmembers who buy the insurance must study and understand details of the insurance coverage and its terms and conditions in the proposal prior to buying and once got the insurance policy, please restudy the terms and conditions again.
12. For more information, please visit www.ktc.co.th or call KTC PHONE 02 123 5000

Terms and conditions of installment service with KTC credit cards for up to a maximum of 10 months with special interest rate of 0% - 0.74% per month at participating stores.

1. 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.
2. The minimum transaction amount for the installment service will be determined by the conditions of each promotional campaign.
3. 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%

4. Members of KTC VISA CORPORATE and KTC GOVERNMENT SERVICES credit cards are not eligible for this installment service.
5. 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). 
6. For more information, please contact KTC PHONE at 02 123 5000. 

“General Terms and Conditions”Promotion

1. The privileges under this promotion cannot be exchanged, changed to cash, or transferred to any other party.
2. KTC reserves the right to offer the privileges under this promotion to only cardmembers with normal account status and have no record of default or overdue payment throughout the promotion period until the day on which the privileges are granted to the cardmembers, in accordance with KTC’s existing record.
3. KTC reserves the right to offer, cancel, revoke or recall any privileges under this promotion, wholly or partially, including the claim of compensation for damages (if any) if fraudulent activities are committed in order to receive the privileges under this promotion, or if the card is used for any commercial purpose, in breaching of determined conditions, or for any non-consumption purpose, or when the transaction is cancelled after KTC granted the privileges under this promotion to the cardmembers.
4. Other terms and conditions which are not specified herein shall be provided by any relevant store/seller/service provider. Please inquire for details of conditions before purchasing goods/services.
5. KTC is not a manufacturer, distributor or service provider and has no involvement regarding any products/services under this promotion. Should there be any inquiries or claims in respect of products/services, or sales slip/tax invoice requirement, please contact the manufacturer, distributor and/or the owner of product or service directly.
6. KTC reserves the right to amend, change, or cancel the terms and conditions, details, and/or privileges of this promotion (including changing to any other prizes with equivalent value) without prior notice. In the case of any dispute, KTC’s decision is deemed final.
7. For more information, please callKTC PHONE02 123 5000