KTC cardholders can convert an eligible travel purchase of at least THB 3,000 per sales slip into four months of 0% instalments through 31 December 2026. The campaign covers participating online travel agencies, airlines, car-rental businesses, attractions, tour agents and hotels, but the merchant and card still have to qualify.
There are two routes. Redeem points equal to 25 percent of the transaction for the four-month instalment plan, or redeem points equal to the full transaction to receive the same instalment period plus 10 percent cashback. Registration must be completed on the transaction date, making this a deal to understand before checkout.
How To Use It
Pay the eligible travel partner in full with the KTC card, then register that transaction on the same day at ktc.promo/travelinstallment and wait for confirmation. Select the 25 percent points route or the full-points plus cashback route only after checking the points balance and monthly repayment. Open the current campaign page before paying and complete the redemption while staff can still correct the transaction.
Terms That Matter
The purchase must be at least THB 3,000 on one sales slip with a participating travel partner. Named KTC cashback, corporate, government and other card products are excluded. Early settlement does not require KTC to return redeemed points, and cancelled transactions can reverse benefits. Keep the receipt, e-coupon or registration confirmation until the benefit has been delivered. A campaign date alone does not override card, product, branch or quota exclusions.
Is It Good Value
On a THB 10,000 purchase, the first route uses 2,500 points for four 0% instalments. The second uses 10,000 points and adds THB 1,000 cashback. The second headline is larger, but it also consumes four times as many points. Compare the points with other uses and count any transport, tax, service charge or non-refundable risk. The best deal is attached to a purchase you already wanted.
Plan The Purchase
Use the campaign only for a travel purchase whose cancellation, refund and supplier terms already work for you. Save the booking confirmation, sales slip and successful registration message, then check the first statement for the conversion. Reconfirm availability and the live conditions on the day. Campaigns can be amended, capped or withdrawn before their stated end date.
After Payment
Check the itemised receipt and points balance before leaving. If the expected benefit is missing, contact the merchant and KTC promptly with the transaction record and confirmation screen.
Practical Information
- Campaign dates: 1 January to 31 December 2026.
- Minimum purchase: THB 3,000 per sales slip.
- Route one: Redeem points equal to 25 percent of the transaction for four months at 0%.
- Route two: Redeem points equal to the transaction for four months at 0% plus 10% cashback.
- Registration: Complete the online registration on the transaction date.
Questions
Can I register the next day?
No. KTC requires registration on the same date as the transaction.
Does every hotel or airline qualify?
No. The merchant must be a participating travel partner under the campaign.
Will early repayment return my points?
KTC says it reserves the right not to return points used for the instalment conversion.
Is this interest-free?
The campaign describes four months at 0%, subject to successful conversion and all card conditions.