Promotion Get up to 1% cash back and redeem every 1,000 KTC points for 7% cash back plus KTC points x 7 when members pay for annual life insurance premium both first year and renewal year of Muang Thai Life Insurance through all channel with KTC credit card

1. This promotional campaign (“this promotion”) is provided by Krungthai Card Public Company Limited or KTC to offer the exclusive privileges to KTC credit card members (“a cardmember/cardmembers”) who have KTC FOREVER points (“KTC Points”) and spend with KTC credit card (“a card/cards”) during 1 January 2026 - 30 June 2026 (“promotion period”) according to specified conditions only.
2. KTC reserves the right to exclude cash advance, insurance premium type Unit Linked, insurance premium automatic payment with KTC credit card, KTC PHONE transaction, interest, credit line usage fee, fine and any other fees and charges, refunds from cancellation of goods/services purchase and any refund at all from the calculation of extra KTC Points and/or credit cash back offering to cardmembers under this promotion.
3. For the calculation of spending amount with the card in order to receive a credit cash back, the calculation will be processed on a monthly basis until the end of the promotion period in accordance with specified conditions.
4. KTC will credit a credit cash back into the cardmembers’ credit card account within 60 days after the last day of the month that the cardmembers paid for insurance premium according to specified conditions.
5. The privileges under this promotion cannot be exchanged, changed to cash, or transferred to any other party.
6. The insurance underwriting and coverage terms and conditions are provided by Muang Thai Life Assurance Public Company Limited.
7. 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 card members.
8. 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 card members, in accordance with KTC’s existing record.
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. Please get more information on life insurance products at Muang Thai Life Assurance Public Company Limited. Customers Relations Center Tel.1766
11. The cardmembers who buy insurance must study and understand details of the insurance coverage 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/insurance or call KTC PHONE 02 123 5000

Get up to 1% credit cash back terms and conditions

1. 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, KTC GOVERNMENT SERVICES card, all types of KTC SENIOR and KTC PROUD all types.
2. The cardmembers who want to receive a credit cash back under this promotion are required to make a registration by sending a SMS, type MTL space following by 16-digit credit card number and send to 061 384 5000 (3 Baht/time), or by registering at www.ktc.co.th/MTL. In this regards, the cardmembers must receive KTC’s reply message confirming the registration in order to eligible participate in this promotion and one-time SMS registration.
3. The cardmembers who pay life insurance premiums of Muang Thai Life Assurance Public Company Limited via credit cards will receive credit back up to 1% of the first-year insurance premium and / or the renewal insurance premium as follows
   • For insurance premium 10,000 – 49,999 Baht/sales slip, get 0.6% cash back of insurance premium
   • For insurance premium 50,000 – 499,999 Baht/sales slip, get 0.7% cash back of insurance premium
   • For insurance premium 500,000 Baht up/sales slip, get 1% cash back of insurance premium
4. KTC reserves the right to not give all types of KTC points for the spending amount with card that is used to calculate for credit cash back under this promotion. The cardmembers, however will automatically receive regular KTC points first whereas the points will be deducted from their credit card account on the same day as when the credit cash back is credited. In the case that KTC cannot deduct KTC points from the cardmembers’s credit card account, KTC reserves the right to not credit a credit cash back under this promotion to the cardmembers.

1,000 KTC FOREVER points redemption 7% cashback and KTC points x 7 terms and conditions

1. This promotion is not applicable to holders of KTC VISA CORPORATE cards, KTC cards for government agencies, KTC–National Blood Centre Thai Red Cross Society cards, KTC–ROYAL ORCHID credit cards, KTC CASH BACK credit cards, KTC SENIOR credit cards, and all types of KTC PROUD cash cards.
2. Cardmembers who wish to receive a cash back under this promotion must register to be eligible by either registering online via the specified channel or sending an SMS with the text: MTC [space] 16-digit credit card number # number of points to be redeemed, to 061 384 5000 (SMS charges depend on the service provider). Limit 1 SMS per policy/sales slip. Registration must be completed on the same day as the transaction. Cardmembers must receive a confirmation reply message from KTC to be eligible.
3. In the event that the cardmember registers more than once per insurance policy, KTC will consider only the registration with the highest number of points specified for redemption to calculate the cash back amount. If the cardmember cancels the participating credit card for any reason, KTC will deem the member to have forfeited participation in this promotion.
4. Redemption of KTC FOREVER points for this promotion is only available to cardmembers who have a sufficient point balance in their account as of the calculation date determined by KTC.
5. Cardmembers may redeem every 1,000 KTC FOREVER points to receive 7% cash back and earn 7x KTC FOREVER points (1x regular + 6x extra), in accordance with the terms and conditions.
6. Cardmembers may redeem points in any amount up to the total premium paid per policy/sales slip.
7. The 7% cash back and 7x KTC FOREVER points will be calculated based on every 1,000 KTC FOREVER points redeemed.
8. Bonus points will be credited to the cardmember’s KTC account within 60 days from the last day of the month in which the qualifying insurance premium transaction is made.
9. Bonus points calculated from points redeemed under this promotion will expire on 30 June 2027.