KTC’s My Beauty campaign combines participating-merchant instalments of up to ten months at 0% with tiered cashback. Eligible slips from THB 10,000 start at THB 220 cashback; the top published tier pays THB 7,200 on spending of THB 200,000 or more. The instalment and cashback period runs from 1 July to 30 September 2026.
A zero-interest label does not make a treatment affordable or medically appropriate. The full purchase amount uses the card’s available credit, while monthly repayments continue for the agreed term. Register before or on the first eligible spending date, confirm the merchant and procedure, and review the total obligation without counting uncertain cashback.
Read The Tiers
Published cashback is THB 220 for THB 10,000 to 29,999, THB 850 for THB 30,000 to 49,999, THB 1,500 for THB 50,000 to 74,999, THB 2,300 for THB 75,000 to 119,999, THB 4,200 for THB 120,000 to 199,999, and THB 7,200 from THB 200,000. Do not spend extra merely to cross a band.
Register First
Complete the BTF campaign registration by the permitted SMS or online route before or on the first qualifying transaction date, then keep the confirmation. Registration alone does not prove a clinic, salon or service qualifies, so ask the merchant to identify the exact KTC promotion before payment.
Check The Merchant
Eligibility depends on participating beauty merchant categories and the merchant’s ability to offer the chosen instalment term. A clinic that accepts KTC for ordinary card payments may not support this campaign. Ask for the legal merchant name on the sales slip, the term, the monthly amount and the refund policy in writing.
Price The Commitment
Divide the full transaction by the number of months and add every other fixed card repayment. Leave room for medical follow-up, travel and ordinary living expenses. If the monthly figure is uncomfortable without cashback, the treatment is too expensive for this financing plan.
Separate Care From Finance
Ask a qualified practitioner about benefits, risks, alternatives, recovery and who handles complications. Do not let a limited campaign replace informed consent. For invasive or medical procedures, verify professional credentials and the facility independently before discussing card rewards.
Know The Card Rules
Several card types, including KTC CASH BACK, corporate and government-service products, are excluded. The transaction generally cannot be cancelled or refunded through the instalment mechanism unless the merchant permits it. Read both KTC’s conditions and the merchant agreement before signing.
Keep The Paper Trail
Retain the registration message, signed treatment plan, itemised receipt, instalment schedule and aftercare instructions. Check the first statement for the correct monthly amount and inspect later statements for cashback. Raise a discrepancy promptly rather than waiting until the campaign records are harder to trace.
Keep Planning
Continue with Deals, Travel, Culture on The Finest Thai.
Questions
Does 0% mean the treatment is free to finance?
It means no interest under the agreed plan when payments are made correctly, but the full purchase still uses credit and must be repaid.
Is cashback guaranteed at every clinic?
No. The merchant, card, transaction and registration must all meet the campaign conditions.
Should I spend more to reach a higher tier?
No. Compare the extra cost with the small incremental reward and buy only the treatment you independently chose.
What should I keep?
Keep the registration confirmation, itemised receipt, instalment schedule and treatment agreement.
Practical Information
- Campaign: KTC My Beauty 0% instalment and cashback promotion.
- Dates: 1 July to 30 September 2026 for the published instalment cashback.
- Spending bands: THB 10,000 to THB 200,000 and above.
- Cashback: THB 220 to THB 7,200, depending on the eligible sales slip.
- Registration: Complete the BTF registration route before or on the first eligible spending date.
- Terms: Review tiers, registration and excluded cards
