Payless when spend overseas in foreign currency with KTC credit card

Condition for all types of KTC VISA INFINITE credit card, all types of KTC WORLD MASTERCARD credit card, KTC UNIONPAY ASIA PRESTIGE DIAMOND credit card, all types of KTC X VISA SIGNATURE credit card and all types of KTC X WORLD REWARDS MASTERCARD credit card

1. Earn 1 KTC FOREVER point for every THB 25 spent with KTC credit card.
2. When spending within Thailand on dining, shopping, and travel (as per specified MCC codes), as well as transactions made in foreign currencies (excluding 31 European Economic Area countries and the People's Republic of China):
   • Earn 2X KTC FOREVER points (1 regular point + 1 extra point).
   • Earn an additional extra point for each total spending of THB 600,000.
3. Eligible Merchant Categories in Thailand (Based on MCC codes): Dining Category:
   • Visa and Mastercard : MCC Codes 5462, 5811, 5812, 5813, and 5814.
   • UnionPay: 5811, 5812 and 5813.
Shopping Category:
• Visa, Mastercard, and UnionPay: MCC Codes 5094, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5697, 5698, 5699, 5941, 5944, 5948, 5977, 7296, 5111, 5192, 5942, 5943, 5947, 5994, 5310, 5311, 5331, 5964, 5965, 5262, and 5309.
Travel Category:
• Visa: MCC Codes 3000 – 3350, 4511, 3351 - 3441, 7512, 7513, 7519, 7523, 3501-3840, 7011, 7996, 7998, 4722, 4723, and 5962.
• Mastercard: MCC Codes 3000 – 3350, 4511, 3351 - 3500, 7512, 7513, 7519, 7523, 3501-3999, 7011, 7996, 7998, 4722, 4723, and 5962.
• UnionPay: MCC Codes 3000 – 3350, 4511, 3351 - 3441, 7512, 7513, 7519, 7523, 3501-3838, 7011, 7996, 7998, 4722, 4723, and 5962.
4. Timeframe for crediting extra KTC FOREVER points:
   • The first extra point will be credited to the cardholder’s account within 60 days after the month in which the eligible transaction was made.
   • The additional extra point (for each total spending of THB 600,000) will be transferred to the cardholder’s account within 60 days after the month in which the spending threshold is met.
5. Exclusions from earning KTC FOREVER points:
   • Transactions made at merchants in the European Economic Area (31 countries), the People's Republic of China, and other excluded categories (For more details, visit www.ktc.co.th/rewards).
   • Interest payments, penalties, fees, canceled transactions, and all types of refunds.
6. KTC reserves the right to revoke, cancel, or reclaim KTC FOREVER points, either in full or partially, and to seek compensation (if applicable) if KTC has reasonable ground to believe that the cardmember has engaged in any of the following activities:
   • Payments are made to the credit card account exceeding the billed amount or approved credit limit to use for business-related or commercial purposes, or non-personal, or fraudulent purposes.
   • Using the credit card fraudulently or dishonestly to accumulate KTC FOREVER points, or for business-related or commercial purposes.
   • Violating of the specified terms and conditions of card usage.
   • Canceling transactions after KTC FOREVER points have been awarded.
7. This privilege cannot be exchanged for cash, transferred, or assigned to others.
8. The cardholder’s account must be in good standing at the time KTC FOREVER awards the KTC points.
9. This privilege is valid from February 17, 2025 to December 31, 2025.

Condition for all types of KTC VISA SIGNATURE credit card, all types of KTC WORLD REWARDS MASTERCARD credit card, KTC JCB ULATIMATE credit card  and KTC UNIONPAY DIAMOND credit card

1. Earn 1 KTC FOREVER/KTC ROP point for every 25 Baht purchase with all types of KTC VISA SIGNATURE credit card, all types of KTC WORLD REWARDS MASTERCARD credit card, KTC JCB ULATIMATE credit card  and KTC UNIONPAY DIAMOND credit card.
2. Earn 2x KTC FOREVER/KTC ROP points = 1 regular point + 1 special point on any purchases in a foreign currency (Exclude 31 countries in the European Economic Area and People's Republic of China)
3. KTC reserves the right to exempt KTC FOREVER for all transactions via all types of KTC VISA SIGNATURE credit card, all types of KTC WORLD REWARDS MASTERCARD credit card and KTC UNIONPAY DIAMOND credit card at stores in 31 countries in the European Economic Area, People's Republic of China and other specified categories. For more information, please visit www.ktc.co.th/rewards.
4. KTC reserves the right that KTC FOREVER/KTC ROP point is eligible to only spending for the purchase of goods for personal consumption, and not for business or trading purposes, or earning profits, or frauds in relation to use of his/their KTC credit card. KTC also reserves the right, in its absolute discretion, to cancel, terminate, suspend or revoke partials or KTC FOREVER /KTC ROP points, and also may claim for damage recovery.
5. Privileges under this promotion cannot be exchanged, changed to cash, or transferred to any other party.
6. KTC reserves the right to exclude interest, credit line fee usage , 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.
7. Offers are valid from 1 Jan 25  - 31 Dec 25.