Pay life insurance and health insurance premiums both first year and renewal year get valuable privileges when paying with KTC credit card

Terms and conditions for full payment

1. This promotional campaign (“this promotion”) is created by Krungthai Card Public Company Limited or KTC to offer benefits to KTC credit card members (“a cardmember”) who have a life insurance premium payment/ health insurance premiums (“Premium”) of Allianz Ayudhya Assurance or Merchant Name “Allianz Ayudhya (AZAY)” under MCC Code 6300 and 5960 with a KTC credit card (“a card/card”) from 10,000 baht or more per sales slip. Within between 1 June 2024 – 31 May 2024 (“promotion period”) according to specified conditions only.
2. We reserve the right to exclude KTC VISA CORPORATE credit card members, KTC cards for government agencies, KTC-National Blood Center credit cards, Thai Red Cross Society and KTC CASH BACK credit cards cannot participate in receiving credit cash back. according to this list
3. Spending through the card according to the conditions of this item Limited to payment of insurance premiums in full payment only. We reserve the right to exclude spending on installment transactions with all types of KTC credit cards, unit linked insurance premiums, interest, credit line usage fees, fines and other fees. Refunds arising from cancellation of purchases of goods/services or refunds arising from all types of refunds to be calculated for credit refunds to members according to this list
4. When the member has the payment of insurance premiums that participate in the program through the card full payment Members will receive Cash back up to 0.7% of insurance premium unlimited throughout the program Details are as follows
   - Pay insurance premiums 10,000 – 29,999 baht/sales slip Get 0.6% cash back
   - Pay insurance premiums of 30,000 baht or more/sales slip Get 0.7% cash back
5. Members who wish to claim cash back according to this list Must be registered to be eligible. By sending an SMS, type AZY, spaces, followed by 16-digit credit card number and send to 061 384 5000 (3 baht per call). Members must register for privileges before and/or within the transaction date. and received a reply message confirming joining the program from KTC to be eligible to participate in this program and register once Receive privileges throughout the program
6. We reserve the right to exclude all types of KTC points for spending via the card. Which is used to calculate for credit cash back up to 0.7% of insurance premiums according to this list, which members will receive normal points from such spending. into the card account of members automatically And all such points will be deducted from the member's card account within the same day as the day that the cardmember will receive a credit cash back into the card account according to this list. from the card account KTC reserves the right not to credit cash back according to this program to all members.
7. KTC will credit a cash back into the cardmember's credit card account within 60 days from the last day of the month that the member makes a payment for insurance premiums via the card. and comply with the conditions of this list
8. We reserve the right when the member has registered to receive the benefits according to this list. will not be able to receive benefits in other insurance categories
9. Benefits received under this program Cannot transfer rights to other people or can be exchanged for cash
10. We reserve the right to grant benefits according to this program. Only members who have normal account status and have no history of defaulting payment throughout the program period until the date KTC provides benefits. by relying on KTC's information as important
11. We reserve the right to give, cancel, withdraw or revoke the benefits under this list. Whether in whole or in part, including claiming compensation (if any) if the right to participate in the program is used dishonestly, dishonestly or fraudulently in order to obtain the benefits in this program or use the card for commercial business Using the card in violation of the specified conditions or misuse for the purpose of use for consumption or the member has canceled the used item Paid after KTC has given privileges to members.
12. KTC is not involved in the consideration of insurance / life insurance and the provision of coverage under the insurance conditions under this program. Please ask for more information about insurance / life insurance products at life insurance company insurance company insurance broker and life insurance brokers offering insurance/life insurance products
13. Other conditions that are not specified in this list to be in accordance with life insurance company insurance company insurance broker And life insurance brokers determine that the insured member should study and understand the offer document before making a decision to make an insurance policy. Once the policy has been received, please study the details of the terms and conditions in the policy.
14. For more information about the conditions of the promotion, please call 02-123-5000 or www.ktc.co.th/insurance.

Terms and conditions for Installment payment

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 2024 – 31 December 2024 (“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 KTC Call Center 01 123 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% FLEXI installment payment for 3 months
     - 10,000 baht spending, 4,000 reward points (40%), redeem for 0% FLEXI installment payment for 6 months
     - 10,000 baht spending, 6,000 points (60%), redeem for 0% FLEXI 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.