Special privileges to pay interest insurance premiums, special installments for up to 10 months,in case the customer is responsible for the interest.

1. This promotion ("List"), Krungthai Card Public Company Limited or KTC is created to provide benefits to KTC credit card members who pay for the first year life insurance premiums with Krungthai-Ak Company. Za Life Insurance Public Company Limited (“Krungthai-AXA”) with KTC credit cards (“Card”) during the period from 1 January 2026 – 31 December 2026 (“program period”) only.
2. KTC reserves the right to exclude cardmembers of KTC VISA CORPORATE, KTC for government agencies. and KTC PROUD cash card cannot participate in this program.
3. Cardmembers participating in this program will receive all types of points as usual.
4. KTC reserves the right for making transactions via the specified Linked, or other channels specified by Krungthai-AXA and KTC.
5. We reserve the right to exclude All types of investment-linked life insurance products (Unit linked) cannot participate in this program.
6. We reserve the right not to bring interest. Credit line usage fees, fines and other fees, refunds arising from the cancellation of the purchase of goods/services Or the refund arising from all types of Refund to calculate in order to provide benefits to members under this list.
7. The privileges under this program cannot be exchanged and/or changed into cash. or transfer rights to others
8. We reserve the right to give, cancel, withdraw or recall the benefits under this program. whether in whole or in part Including claiming compensation for damages (if any) if it is found that the right to participate in the program is fraudulent or fraudulent in order to obtain the right in this program Or misbehave with conditions or misuse the objectives of using the card. or the member cancels the spending and/or cancels the policy after the member receives the benefits
9. We reserve the right to grant privileges under this promotion. Only members who maintain membership and has no history of default on debt payments throughout the duration of the program Until the day that benefits are given to members
10. We reserve the right to change or cancel details, terms, conditions and/or any benefits of this program without prior notice. and in the event of a dispute KTC's decision is final.
11. KTC has no involvement with life insurance products under this list. Please ask for more information on insurance products at Krungthai-AXA Life Insurance Public Company Limited, Tel. 1159.
12. Other conditions that are not specified in this list shall be as specified. Krungthai-AXA defines members who apply for insurance. Should study and understand the offering documents before making a life insurance decision. When receiving the policy Please study the details of the terms and conditions in the policy.
13. For more information about the terms and conditions of the promotion, please call 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.