KTC FOREVER Point

You can view coupons that are about to expire under the “Near Expiry Coupons” section. It will display coupons that have remaining validity period equal to or less than 7 days.

Yes, you can click the “Copy” button next to the Text Code to copy it and then paste it elsewhere.

After using a coupon, it will be valid for 15 minutes. After that, it cannot be used anymore.

Once a coupon is closed, it cannot be used anymore.

In the case of displaying a code for redemption at a store, it is recommended to confirm with the staff if they have scanned the code successfully before closing the coupon.

You can view the used coupons in the “Coupon Usage History” section, which displays the history of coupons used within the past 7 days.

Expired coupons cannot be used anymore. The coupon will no longer be displayed in the app after its expiration date.

All KTC credit cards that have KTC FOREVER points can redeem points for credit cashback to the card's account.

Except for all types of KTC - ROYAL ORCHID PLUS credit cards that have KTC FOREVER points, which cannot redeem points for credit cashback via the KTC Mobile app.

Credit Cashback is a credit returned to your credit card limit upon successful point redemption. The credit cashback will be deducted from your credit card outstanding balance.

It cannot be converted to cash or transferred to a bank account.

Cashback will be credited to your account on the next day. You can check the cashback amount through the following channels:

- KTC Mobile app: Select the card and check under "Transaction".

- Statement (after the billing cycle close date).

All KTC credit cards that have KTC FOREVER points can redeem points for donation.

Except for all types of KTC - ROYAL ORCHID PLUS credit cards that have KTC FOREVER points, which cannot redeem points for donation via the KTC Mobile app.

Point redemptions for donations can be used for tax deductions according to the conditions of each foundation/charitable organization.

Cardmembers must consent to KTC disclosing their personal information to the foundation/charitable organization during the transaction process.

The foundation or charitable organization will issue and send the tax invoice/receipt to the cardmembers.

The documents will be sent to the address registered with KTC or in the form of an electronic receipt (e-Receipt) via email. Please verify the accuracy of your address or email for convenience in receiving the documents.

Tax deductions for point donations are divided into tax years as follows:

1. If you wish to claim the tax deduction in the same tax year (the same year you made the transaction), you must redeem for donation before November of each year.

2. If you redeem for donation after November of each year, it will be used for tax deduction in the next tax year (the year after you made the transaction).

All KTC credit cards that have KTC FOREVER or KTC ROP points can transfer points between cards.

Except for KTC - ROYAL ORCHID PLUS credit cards that have KTC FOREVER points, which cannot transfer KTC FOREVER points between cards via the KTC Mobile app.

KTC FOREVER or KTC ROP points can be transferred between cards that have the same point currency only.

KTC FOREVER and KTC ROP points cannot be transferred between each other.

KTC credit cards can transfer points to and from all types, with the following exceptions and additional conditions:

1. KTC ROP points from all types of KTC – ROYAL ORCHID PLUS credit cards can be transferred between each other, but cannot be transferred to other KTC credit cards, and KTC FOREVER points from other KTC credit cards cannot be transferred to KTC – ROYAL ORCHID PLUS credit cards.

2. Points from all types of KTC – BANGKOK AIRWAYS credit cards can be transferred between each other or to other KTC credit cards, but points from all types of other KTC credit cards cannot be transferred to KTC – BANGKOK AIRWAYS credit cards.

3. Points from all types of KTC – AGODA credit cards can be transferred between each other or to other KTC credit cards, but points from all types of other KTC credit cards cannot be transferred to KTC – AGODA credit cards.

Primary cardmembers can transfer points to supplementary cards in the point transfer menu, then select "My Supplementary Cards". However, supplementary cardmembers cannot transfer points to primary cards.

Point Transfer can only be made if the loyalty program account belongs to the same individual as the KTC credit cardholder.

KTC FOREVER / KTC ROP points will be transferred to the loyalty program within the specified timeframe, depending on the conditions of each loyalty program. Cardholders can check the transferred points on the website or application of the respective loyalty program.

Once the transfer is complete, it cannot be changed, canceled, or transferred back under any circumstances.

MAAI BY KTC is an application that consolidates points from various sources, including KTC FOREVER points and points from partner networks such as AirAsia points, TIP Coin, M Point, ONESIAM Coin, Bangchak Point, blueplus+ Point, and Max Point, into MAAI points for exchanging various privileges.

All KTC credit cards with KTC FOREVER points can transfer points to MAAI points via the KTC Mobile app.

Except for KTC - ROYAL ORCHID PLUS credit cards with KTC FOREVER points.

A maximum transfer limit of 30,000 KTC FOREVER points to MAAI points per transaction per day applies.

MAAI points can be used to redeem e-Coupons for discounts at the largest network of stores and partners in Thailand, with over 8,000 redemption points covering all needs, including restaurants, beverages, cinemas, flight bookings, or online shopping. MAAI points can also be used to scan and pay at over 1.8 million "Thung Ngern" merchant locations nationwide (10 MAAI points equals 1 Baht).

Download the MAAI BY KTC application here and register using the same citizen ID card number as for your KTC Mobile app registration (cannot be used with registration with passport numbers). Once registration is complete, you can immediately transfer KTC FOREVER points to MAAI points via the KTC Mobile app.

MAAI points are valid for 2 years from the date of transfer. Points will expire on December 31st of the second calendar year. For example, if points are transferred on July 1, 2025, the MAAI points received will expire on December 31, 2027. The terms and conditions for using points are as specified by KTC.

Once successfully transferred to MAAI points, they cannot be transferred back to KTC FOREVER points.