KTC has a current mall installment campaign for cardmembers planning larger purchases at participating shopping complexes. The KTC campaign page lists 0% installment plans up to 10 months from 1 January to 31 December 2026.
This is not an instant discount. It is a payment-structure privilege for readers who have enough KTC FOREVER points and want to convert a full payment into a 0% installment plan after registering correctly.
The Offer
KTC lists 0% installments up to 3, 6 or 10 months at participating complexes when cardmembers redeem points equal to 20%, 40% or 50% of the transaction amount.
Participating locations listed by KTC include SIAM PARAGON, ICONSIAM, CENTRAL EMBASSY, CENTRALWORLD, CENTRAL PHUKET, ONE BANGKOK, GAYSORN VILLAGE, EMSPHERE, EMPORIUM, EMQUARTIER, SIAM CENTER, SIAM DISCOVERY and SIAM PREMIUM OUTLETS BANGKOK.
How To Use It
Before spending, confirm that the store and sales slip are eligible, then register on the same day as the transaction and include the exact spending amount if it has decimals.
Use this with shopping guides, current deals and money practicalities when deciding whether installments are worth using.
Before You Book
- Promotion period listed by KTC: 1 January to 31 December 2026.
- Minimum spending listed by KTC is THB 5,000 net per sales slip.
- Redeem KTC FOREVER points at 20%, 40% or 50% of the transaction amount for up to 3, 6 or 10 months respectively.
- Registration must be completed on the same day as the transaction.
- Cardmembers must receive confirmation before relying on the privilege.
- Participating mall, store, card-account and excluded-product rules apply.
Practical Information
Best for: planned purchases at participating malls where spreading payment genuinely helps cash flow.
Value note: 0% installments still require discipline; compare the full price and points cost before using the privilege.
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FAQ
Is this a discount?
No. It is a 0% installment privilege using KTC FOREVER points.
What is the minimum spend?
KTC lists a minimum of THB 5,000 net per sales slip.
When must I register?
KTC says registration must be completed on the same day as the transaction.
