Special privilege for FWD insurance premiums installment payment for renewal-year premium with a special interest rate of 0.69% for 6 and 10 months in cases where the customer is responsible for the interest payments.

1. This promotional item (“this item”) is created by Krungthai Card Public Company Limited or KTC to provide benefits to KTC credit card members who pay renewal-year life insurance premiums with FWD Life Insurance or FWD with KTC credit card (“card”) during the period 1 January 2025 – 30 June 2025 (“Program Period”) only.
2. We reserve the right to exclude credit card members of KTC VISA CORPORATE, KTC for government agencies and KTC PROUD cash cards cannot participate in this program.
3. Card members who participate in this program will receive all types of points as usual.
4. We reserve the right for the payment of insurance premiums minimum amount of 3,000 baht or more per sales slip.
5. We reserve the right to make transactions through specified Linked, or other channels specified by FWD and KTC.
6. We reserve the right to exclude all types of investment-linked life insurance products (Unit linked) cannot participate in this program.
7. We reserve the right not to charge interest, credit line usage fees, fines and various fees, refunds resulting from canceling purchases/services transactions. or money back from all types of refunds to be calculated to provide benefits to members according to this list
8. Benefits according to this list cannot be exchanged, changed and/or changed for cash. or transfer rights to others.
9. We reserve the right to grant, cancel, revoke or recall benefits according to this program whether in whole or in part including calling for compensation for damages (if any) if it is found that the right to participate in the program has been used dishonestly or fraudulently in order to obtain rights in this program or breach the conditions or objectives of using the card or the member cancels the spending transaction and/or cancels the policy after the member has already received the benefits.
10. We reserve the right to provide benefits according to this list  only for members who maintain their membership status and has no history of defaulting on debts throughout the program period until the day that benefits are given to members
11. KTC is not involved in life insurance underwriting process and providing protection according to life insurance conditions according to this list. Please inquire for additional details about life insurance products at FWD LIFE INSURANCE at 1351.
12. Other conditions not specified in this list shall be as specified by FWD Life Insurance Members applying for insurance should study and understand the sales documents before deciding to buy life insurance. When receiving the policy, please study the details of the terms and conditions in the policy.
13. For more details about promotional conditions, 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.