KTC Positions Reward Points as a Financial Tool to Ease Year-End Spending Pressures

Mr. Sorachach Srilamul, Head of Credit Card Marketing Division at KTC, said reward points have shifted from being simple perks to becoming a practical mechanism for spending management. With year-end shopping activity generally increasing, he noted that KTC FOREVER points help reduce financial burden by allowing members to redeem them for discounts, cashback, or instalment plans, thereby enhancing affordability during the holiday season.

KTC FOREVER Redemption Privileges

1) Department Stores (1 November 2025 - 31 January 2026)

• Redeem points equivalent to the spending amount for up to 20% discount at participating department stores.
• Redeem points equivalent to the spending amount for up to 20% cashback on Central Online and www.central.co.th. Registration required on the transaction date.
• Redeem points equivalent to the spending amount for up to 20% cashback, plus redeem additional points for 0% instalment up to 10 months (minimum THB 5,000 per receipt) on participating luxury brands at Central Chidlom. Registration required on the transaction date.
• Receive an additional THB 600 gift card with every THB 3,000 gift card purchase at Central and Robinson stores, when redeeming 3,000 points (no redemption limit).

2) Shopping Malls (1 October 2025 - 31 December 2025) Registration required on the transaction date.

• Redeem points based on eligible spending for up to 20% cashback at participating luxury fashion, bag, footwear, and watch retailers.
• Redeem points for 0% instalment up to 10 months with a minimum spend of THB 5,000 per receipt at participating shopping malls.

3) Duty-Free - King Power (1 November 2025 - 31 January 2026) Registration required on the transaction date.

• Redeem points equivalent to the spending amount for up to 20% cashback with a minimum spend of THB 30,000 per receipt, applicable to KTC JCB credit card payments in-store and online.
• Redeem points for 0% instalment up to 10 months (minimum THB 5,000 per receipt.) both in-store and online.

4) Fashion

• CARNIVAL (15 October 2025 - 28 February 2026): 10% discount on regular-priced items, plus redeem points equivalent to spending for up to 23% discount or 0% instalment up to 10 months.
• UNIQLO: Redeem points equivalent to eligible spending for up to 20% cashback during the promotional dates (details on KTC website; search 'uniqlo'). Registration required on the transaction date.
• Over 150 participating fashion brands:
  Redeem points equivalent to eligible spending for up to 18% cashback or discounts, both in-store and online. Registration required on the transaction date.

5) Supermarkets (1 November 2025 - 31 January 2026) Registration required on the transaction date.

• Redeem 10,000 points to receive 20% cashback when spending at least THB 10,000 per receipt (Fri-Sun), in-store and online. Cashback capped at THB 2,000 per person per month (maximum THB 6,000 per person throughout the campaign).
• Redeem points equivalent to the spending amount for up to 18% cashback at participating supermarkets across in-store and online channels.

For more information, please click the link ktc.promo/shopping-yearend25 or contact KTC PHONE at 02 123 5000. To apply for a KTC credit card, visit https://ktc.today/apply-card or visit any "KTC TOUCH" branches nationwide.

Note: It is advisable for credit cardholders to use their cards responsibly and repay the full amount by the due date to avoid a 16% annual interest rate.

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