Special promotion Choose to receive up to 2% cash back or earn up to 25% extra KTC points when paying Krungthai-AXA Life Insurance premiums Conditions are as specified with a 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 cardmembers (“a cardmember/cardmembers”) who paying premiums for life insurance premiums of Krungthai-AXA Life Insurance Plc. with KTC credit card (“a card/cards”) at participating channels during 1 January 2026 – 31 December 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. In the event that a member registers for more than 1 privilege (credit cash back up to 2% and special points up to 25%), KTC reserves the right to offer benefits according to the last registered privilege.
4. For the calculation of spending amount with the card in order to receive a credit cast back or extra points, KTC will calculate based on the total spending amount from the first day to the last day on a calendar monthly basis starting from the successful registration day. The calculation will be processed on a monthly basis until the end of the promotion period in accordance with specified conditions.
5. KTC will credit/transfer a credit cash back/extra points into the cardmembers’s credit card account within 60 days after the end of the month spent.
6. The privileges under this promotion cannot be exchanged, changed to cash, or transferred to any other party.
7. Conditions for consideration of insurance and coverage are as specified by Krungthai-AXA Life Insurance Public Company Limited.
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 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.
10. 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.
11. 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 call 1159.
12. Other terms and conditions which are not specified herein shall be provided by Krungthai-AXA Life Insurance PCL. The insured member should study and understand the offer document before making an insurance decision. After receiving the policy, please study the terms and conditions in the policy.
13. For more information, please call KTC PHONE 02 123 5000 or www.ktc.co.th/ktaxa

Conditions for receiving cash back up to 2%

1. This promotional campaign (“this promotion”) is provided by Krungthai Card Public Company Limited or KTC to offer the exclusive privileges to KTC credit cardmembers (“a cardmember/cardmembers”) who paying premiums for life insurance premiums of Krungthai-AXA Life Insurance Plc. from 5,000 baht or more per sales slip with KTC credit card (“a card/cards”) at participating stores during 1 January 2026 – 31 December 2026 (“promotion period”) according to specified conditions only.
2. The privileges under this promotion are offered to KTC credit cardmembers except for those who have following credit card: KTC VISA CORPORATE, KTC - THAI RED CROSS NATIONAL BLOOD CENTRE TITANIUM MASTERCARD, KTC CASH BACK all types, KTC SENIOR all types and KTC GOVERNMENT SERVICES card.
3. The cardmembers who want to receive a credit cash back 2% under this promotion are required to make a registration by sending a SMS, type KH1, space following by 16-digit credit card number and send to 061-384-5000 (cost depends on the service provider) before transaction date, or by registering at www.ktc.co.th. In this regards, the cardmembers must receive KTC’s reply message confirming the registration in order to eligible participate in this promotion.
4. In the case that the cardmembers have more than 1 card that can eligible participate in this promotion, KTC will consider the spending amount from each card separately and will calculate only the spending amount from properly registered card for credit cash back which will be credited to the credit card account. In the case that the cardmembers have cancelled the registered card in any circumstance, KTC will assume that such cardmembers disclaims the privilege under this promotion.
5. For the calculation of spending amount with the card in order to receive a credit cast back, KTC will calculate based on the total spending amount from the first day to the last day on a calendar monthly basis starting from the successful registration day. The calculation will be processed on a monthly basis until the end of the promotion period in accordance with specified conditions.
6. 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 cardmember

Conditions for receiving extra point up to 25%

1. This promotional campaign (“this promotion”) is provided by Krungthai Card Public Company Limited or KTC to offer the exclusive privileges to KTC credit cardmembers (“a cardmember/cardmembers”) who paying premiums for life insurance premiums of Krungthai-AXA Life Insurance Plc. from 5,000 baht or more per sales slip with KTC credit card (“a card/cards”) at participating stores during 1 January 2026 – 31 December 2026 (“promotion period”) according to specified conditions only.
2. The privileges under this promotion are offered to KTC credit cardmembers except for those who have following credit card: KTC VISA CORPORATE, KTC - THAI RED CROSS NATIONAL BLOOD CENTRE TITANIUM MASTERCARD, KTC CASH BACK all types, KTC SENIOR all types and KTC GOVERNMENT SERVICES card.
3. The cardmembers who wish to get extra points under this promotion are required to make a registration by sending a SMS, type KH2, space following by 16-digit credit card number and send to 061-384-5000 (cost depends on the service provider) before transaction date, or by registering at www.ktc.co.th. In this regards, the cardmembers must receive KTC’s reply message confirming the registration in order to eligible participate in this promotion.
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 insurance premiums via the card, every 25 baht, receive 1 normal point, receive unlimited.
5. Extra points that members receive according to this program will expire on December 31, 2027.

Up to 13% Cash Back Terms and Conditions

1. This 13% credit cashback point redemption 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 Krungthai-AXA life insurance premiums with KTC credit card (“a card/cards”) at participating stores during 1 January 2026 – 31 December 2026  (“promotion period”) according to specified conditions only.
2. The privileges under this promotion are offered to KTC credit cardmembers except for those who have following credit card: KTC VISA CORPORATE, KTC ROYAL ORCHID PLUS all types, KTC - THAI RED CROSS NATIONAL BLOOD CENTRE TITANIUM MASTERCARD, KTC - SCG VISA PURCHASING, KTC CASH BACK all types, KTC SENIOR all types and KTC GOVERNMENT SERVICES card.
3. The cardmembers who want to receive a credit cash back 13% under this promotion are required to make a registration by sending a SMS, type KAR, space following by 16-digit credit card number and send to 061-384-5000 (cost depends on the service provider), or by registering at www.ktc.co.th within transaction date. In this regards, the cardmembers must receive KTC’s reply message confirming the registration in order to eligible participate in this promotion. For example, members have payment of life insurance premiums via the card of 35,800 baht per sales slip. And want to use 35,000 points to redeem cash back Members must send SMS messages, type KAR 1234567891234561 # 35000 In order to register to receive cash back credit.
4. In the event that a member registers for more than 1 time per policy, KTC will only adhere to the registration with the maximum number of points used to redeem the cash back. Come to calculate the cash back credit to the card account of registered members If the member has canceled the card Participating For whatever reason KTC will assume that the member has waived the right to participate in this program.
5. Members who pay life insurance premiums of Krung Thai-AXA Life Insurance PCL through every 1,000 Baht card or more per sales slip Within the program period Members can use every 1,000 points to redeem 13% of the spending amount of every 1,000 baht (or 130 baht in total) according to the specified conditions.
   For example, members have a payment of life insurance premiums via the card of 35,800 baht per sales slip member.
   > Can use 35,000 points to redeem 4,550 Baht cash rebate or use every 1,000 points per spending every 1,000 baht. Redeem 130 Baht cash rebate according to specified conditions.
6. Members can redeem points for cash back according to the conditions specified for the payment of life insurance premiums per 1 sales slip only. Cannot separate or combine receipts or sales slips.
7. KTC reserves the right to give the products 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 the products in accordance with specified conditions only.
8. Points will be automatically deducted from the points of the card used for redemption, according to the number of points used by the member to redeem the cash back credit in this program.
9. For the calculation of spending amount with the card in order to receive a credit cast back under this promotion, KTC will calculate based on the total spending amount starting from the successful registration day, and will also calculate sorted by the date and time of card spending transaction. The calculation will be processed at the end of the promotion period.

Terms and Conditions for receive Starbucks e-Coupons with a total value of up to 1,000 baht

1. This promotion (“Program”) is organized by Krungthai Card Public Company Limited or KTC to provide privileges exclusively to applicants for new primary KTC credit cards (“Card”) via Krungthai-AXA Life Insurance (“KTAXA”) or other channels as specified during 1 April 2026 – 31 December 2026 (“Program Period”), with card approval by 15 January 2027 and spending as specified.
2. Conditions for receiving privileges under this program
   1)  Receive a Starbucks e-Coupon worth a total of 500 baht (5 pieces at 100 baht each) when spending via the card for 3 or more transactions within 30 days from the date of card approval or
   2)  Receive a Starbucks e-Coupon worth a total of 1,000 baht (10 pieces at 100 baht each) when spending via the card for 3 or more transactions within 30 days from the date of card approval With at least 1 Krungthai-AXA Life Insurance premium payment (MCC 6300) and a total accumulated amount of 50,000 baht or more (if a member has already received the benefits under this clause, they will no longer be entitled to the benefits under clause 3)  Members will receive an e-Coupon via the KTC Mobile app within 60 days from the last day of the month in which the specified conditions are met. The e-Coupon will be valid for 30 days from the date of receipt.
   4)  Limited to 1 privilege per member only throughout the program period.
3. The privileges under this program are only for new primary card applicants as follows:
   • Never been a primary card member of any type of KTC credit card
   • Previously a primary card member of a KTC credit card but cancelled the card more than 24 months ago
   • Currently a supplementary card member of a KTC credit card
   • A member of a KTC PROUD cash card and/or any type of KTC personal loan
4. Excluding the following credit card applications: Unable to receive the benefits under this program
   •  All types of KTC CASH BACK credit cards, KTC - National Blood Center, Thai Red Cross Society, KTC VISA CORPORATE, all types of KTC SENIOR, KTC for government agencies and KTC VISA
   •  For all types of KTC - AGODA MASTERCARD credit cards, all types of KTC - BANGKOK AIRWAYS MASTERCARD, all types of KTC JCB and all types of KTC - KRUNGTHAI credit cards, members will receive benefits according to the promotion of the card type they apply for. You can check the conditions at www.ktc.co.th/credit-card
5. The right is reserved not to include spending amounts in cash withdrawals, payment of all types of mutual fund units, payment of investment insurance premiums (Unit Linked) (MCC 6211), installment payment services with KTC cards via KTC PHONE/KTC Mobile/KTC Online, interest, fines and various fees, refunds resulting from cancellation of purchases/services or refunds of all types to calculate the benefits for members under this program.
6. Benefits under this program Cannot be used in conjunction with other promotions.

Terms and Conditions of Starbucks e-Coupon:

1. Can be used to purchase any type of product at all Starbucks stores in Thailand only.
2. Cannot be used to top up Starbucks cards and customers will not receive Starbucks® Rewards benefits / cannot be exchanged for cash / cannot be used if it is a copy.
3. Cannot use the rights from the copied image coupon in any case.
4. This e-Coupon must be used up at once. The remaining value in the e-Coupon cannot be stored for future use.
5. Customers can pay with a maximum of 15 e-Coupons per 1 receipt.
6. After confirming the use of the coupon, if it is not used according to the specified conditions, it will be considered a waiver of rights and the company reserves the right not to compensate in any case.
7. Other terms and conditions of use of e-Coupons will be as determined by Starbucks Coffee (Thailand) Co., Ltd.

“General Terms and Conditions” Promotion

1. Privileges under this promotion cannot be exchanged, changed to cash, or transferred to any other party.
2. Privileges under this promotion are exclusive for cardmembers with normal account status and have no record of default or overdue payment throughout the promotion period until the day on which such privileges are granted to cardmembers, based on KTC’s existing record.
3. KTC reserves the right to offer, cancel, revoke or recall any privilege 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 the specified terms and conditions, or for any non-consumption purpose, or when the transaction is cancelled after KTC has granted the privileges under this promotion to cardmembers.
4. KTC reserves the right to exclude interest, fee, fine, any other fees and charges, cancellation of goods/services purchased or any other refund, from the calculation of privileges offering to cardmembers under this promotion.
5. 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.
6. KTC is not a manufacturer, distributor or service provider and has no involvement regarding any goods/services under this promotion. Should there be any inquiries or claims in respect of goods/services, or sales slip/tax invoice requirement, please contact the manufacturer, distributor and/or the owner of product or service directly.
7. For more information, please call KTC PHONE 02 123 5000