When the cardholder receives the billing statement, please make payment within the due date specified in the billing statement. Payment options are as follows:

1. Bank Counter Pay
The cardholder can make payment by cash or cheque, using payment form with barcode (form attached with billing statement). The cheque should be crossed and made payable to Bank of Ayudhya. Please indicate your name, surname, and credit card account on the reverse side of your cheque.

8. Counter Services at HomePro or HomePro Plus every branch.
No fee charge and the credit line will be increased immediately.

9. Pay via TOT Customer Service Centers 
Simply use payment form with barcode (form attached with billing statement). The cardholder can make payment by cash at any Counter Service. Service fee is 10 Baht/transaction nationwide. The fee is inclusive of VAT. The cardholder should keep the receipt as reference.

10. Pay via Tesco Lotus Customer Service Counters 
Simply use payment form with barcode (form attached with billing statement). The cardholder can make payment by cash at Tesco Lotus Customer Service Counters. The payment is limited to 49,000 Baht/transaction. Service fee is 10 Baht/transaction nationwide. The cardholder should keep the receipt as reference.

11. Pay via mobile phone by True Money or mPAY
The payment is limited to 30,000 Baht/transaction. Service fee is 10 Baht/transaction nationwide. (True Move customers call 1331 # 6) (AIS customers call 1175)

12. Pay via mPAY Station counters 
Simply use payment form with barcode (form attached with billing statement). The cardholder can make payment by cash at any mPay Station Counters. The payment is limited to 50,000 Baht/transaction. Service fee is 10 Baht/transaction nationwide. The fee is inclusive of VAT

Credit Card Agreement

Unless otherwise defined in this Agreement:
“Company”       means Krungsriayudhya Card Company Limited.
“Card”              means the credit card issued by the Company to the cardholder (Primary Card) and to the person designated by the cardholder (Supplementary Card).
“Cardholder”    means the person approved by the company to be a member of the Company and is entitled to use the Card and to whom the Company has delivered the Card as the Primary and Supplementary Cardholder.

Before activating, signing the name on the Card and/or using of the Card, please read carefully the terms and conditions of this Agreement and make sure that such terms and conditions are thoroughly understood.  By signing the Cardholder’s name on the Card, activating the Card and/or utilization the Card, it shall be deemed to constitute acceptance of such terms and conditions be the Cardholder and will bind the Cardholder.

1. The Cardholder’s Rights and Obligations

1.1 The Card is issued for use only by the Cardholder while the ownership thereof belongs to the Company. The Cardholder shall not, in any case, transfer its right under this Agreement to any person, nor permit any person to use and/or sign the name on the Cardholder’s behalf. The Cardholder shall sign his/her name in the space provided on the back of the Card immediately after receiving the Card. Once the Card is signed and/or used, it shall be deemed that the Cardholder agrees to be bound by and to comply with terms and conditions of this Agreement.

1.2 The Cardholder can use the Card within the credit limit approved by the Company for (a) cash advance withdrawal or (b) for payment of goods, services and/or any other fees at the shop, the place that displays the sign of the Card or (c) transaction made through various channel e.g. website, telephone, mail order or ATM. The company reserves its rights to disapprove or not to account for the credit line incurred by the use of the Card in violation of Clause 2.1 hereof. By entering/doing any transaction (including the direct debit for any utility through the Card) made by the Cardholder, the Cardholder agrees that any terms and conditions related to the specific transaction (if any), whether or not sign by the Cardholder, shall constitutes be form part of this Agreement and the Cardholder shall be bound by such terms and conditions.

1.3 In the event that the Cardholder uses the Card over the credit limit with approval from the Company, it shall not be deemed that the Company has permanently increased the credit line for the Cardholder. In this case, the Cardholder cannot make minimum payment in accordance with Clause 3.1, and shall pay such excess amount to the Company in full.

1.4 Once the Company has approved and issued the Supplementary Card to the Primary Cardholder, the Primary Cardholder shall be liable to pay to the Company all expenses (including, but not limited to, interest, charge and fee) incurred from or as a result of the issuance and/or the use of the Supplementary Card notwithstanding any legal limitation, disability or incapacity of the Supplementary Cardholder and shall not use such reason as an execution for not being liable for any of its obligations. The Primary Cardholder agrees that the use of Card by the Supplementary Cardholder is done under the account of the Primary Cardholder and the Primary Cardholder shall, in any case, not refuse any debt incurred from the use of Card by the Supplementary Cardholder. Additionally, the Supplementary Cardholder shall be jointly liable with the Primary Cardholder to the Company for the payment of the goods and/ or services arising from the use of the Card as well as interest, penalties and other fees. In a case where the Company demands payment from the Primary Cardholder and/or any of the Supplementary Cardholders, this shall not, in anyway, prejudice and the rights of the Company to demand for payment from the other Cardholders until the outstanding debts have been paid in full.

1.5 The Cardholder can use the Card to withdraw cash advance by either of (i) making utilization request via telephone pursuant to clause 5 hereof (ii) withdrawal cash through VISA/MASTERCARD network through the counter having the sign of VISA/MASTERCARD and/or (iii) withdrawal cash from the automatic teller machines (ATM) or electronic machines of a financial institution that displays the sign VISA/MASTERCARD/CIRRUS/ATM Pool or at any automatic teller machines installed by the Company pursuant to Clause 6 hereof.
      (a) The Cardholder agrees to comply with the conditions provided herein and agrees to accept any change to be made from time to time.
      (b) In relation to the transaction made via telephone or ATM, the Company shall provide the Cardholder personal identification number (PIN) (which can be changed by the Cardholder) for cash advance withdrawal which is subject to the withdrawal amount limit and frequency. The Cardholder shall keep such PIN Number confidential and shall not let the PIN Number known by any person.
      (c) The cash withdrawal, from whatsoever mean, if made by Cardholder shall be deemed completely made and be bound by the Cardholder.
      (d) The Cardholder agrees that the Company may charge the fees for cash withdrawal at the rate specified by the Company, which such rate shall not exceed the maximum rate allowed by laws. The Cardholder can use the Card for cash advance withdrawal in the amount of cash not exceeding the remaining credit limit and each withdrawal shall be no less than Baht 1,000. For the cash advance withdrawal at the counter having the sign of VISA/MASTERCARD, the amount of cash advance can be withdrawn shall be as specified by the relevant service provider.

1.6 In addition to Clause 2.2, the Cardholder agrees that the credit line (including cash advance line) of the Card can be adjusted (increasing/decreasing) at any time pursuant to the Company’s policy, where the Company reserves the rights to increase or decrease the credit line and/or cash advance line (including cancel cash advance line) subjected to the Cardholder’s qualification, Card usage behavior, payment history and/or year of membership. The Cardholder can check for the current credit line with Company’s customer service.

1.7 By using the Card under this Agreement, the Cardholder shall present the Card to the salesperson of the merchant and sign in the document (Sale Slip) or on the Electronic Sign Pad or other devices as an evidence of the use of the Card. The Cardholder can request for a receipt, however, such receipt cannot be used as evidence of payment to the company and shall not relief the Cardholder’s obligation to make payment of the debt to the Company.

1.8 If the Cardholder makes the purchase order by using the Card to pay for goods or services by the disclosing the Card’s number either verbally or in writing to the seller or service provider and instruct them to collect the payment from the Company, the Cardholder hereby agrees to comply with the following :
      (a) In the event that the Cardholder notifies the Company that he/she has not made the purchase order or has not requested for service or where the payment has already been collected, the Company shall refund such amount to the Cardholder. If the Company can prove that it the Cardholder’s own act, the Company shall have the right to collect the payment from the Cardholder in due course where the Cardholder shall be responsible for any interest and/or fee incurred during that period.
      (b) The Company shall not deprive the Cardholder of right to cancel the purchase of goods or request for the service within the 45 days as from the date of purchase order or request for service or within a period of 30 days from the due date for delivery of goods or service. In case the due date for the delivery of goods and services is prescribed in writing, if the Cardholder can prove that he/she has not made such purchase order or request the service, or that he/she has not obtained the goods within the prescribed time, or the goods or service is defective or does not otherwise satisfy the purpose for which it was provided, the Company shall suspend the collection of payment from the Cardholder. If such transaction has been made domestically and the collection of payment has been made, the company shall make a refund to the Cardholder within 30 days as from the date notification of the Cardholder. If such transaction has been made abroad, the Company shall make a refund to the Cardholder within 60 days as from the date of the notification of the Cardholder.

1.9 The Cardholder shall pay the debt arising from the use of the Card at the rate and method as agreed with the Company. The Company will prepare the monthly billing statement (which may be in the form of electronic billing statement), and will send the monthly billing statement to the Cardholder by mail or electronic mail and/or inform the Cardholder to check from the Company’s website at least 10 days prior to the payment due date. The Cardholder agrees to make the payment of goods, services, or other debt arising from the use of Card by the Primary Cardholder and/or the Supplementary Cardholder including other fees within the due date as specified in the billing statement. The minimum payment specified in the billing statement shall be the minimum amount that the Cardholder shall pay to the Company in each month. If the Cardholder is of opinion that the statement received is incorrect or whatsoever either part or in whole, the Cardholder shall :
      (a) Inform the Company within 10 days as from the date of the receipt of the billing statement and/or the date on which the Company inform the Cardholder to check the billing statement from its website, in determining the due date, the Company shall investigate the exact date and time of the billing statement to the deliverer and the work procedure of the deliverer;
      (b) If the billing statement has been verified to be correct by the Company, the Cardholder shall prove that the description and the amount of the transaction specified in the statement is incorrect, and such incorrect transaction does not arise from the Cardholder’s fault or mistake. In this case, the Cardholder shall dispute within a period of 60 days as from the date receipt of the state from the Company. If the Cardholder requests a copy of the billing statement or a copy of the sales slip in order to examine the transaction incurred from the use of the Card, the Cardholder agrees to pay the fee the rate specified by the Company.
If the Cardholder requests a copy of the billing statement or a copy of the sales slip in order to examine the transaction incurred from the use of the Card, the Cardholder agrees to pay the fee at the rate specified by the Company.

1.10 The Cardholder agrees and accepts that any transaction made under the Card (including, but not limited to, a cash withdrawal) in any foreign currency shall be charged to the Cardholder in Thai Baht at the exchange rate being charged to the Company by the relevant credit card company as of the date on which such amount is charged to the Company. If the transaction amount is not in the US Dollar currency, such amount shall be converted into the US Dollar before converting into Thai Baht.
The Cardholder can check for the exchange rate for preliminarily reference from : http://corporate.visa.com/pd/consumer_services/consumer_ex_rates.jsp In addition, the Cardholder agrees and accepts that the hedging premium at the rate not exceed 2.5% of the spending amount shall be charged by the Company to protect for the risk incurred from such currency conversion.

1.11 If the Card is lost or stolen or there is a transaction made through the card account by other person (whether through the use of the Card or not), the Applicant and/or the Cardholder shall immediately notify the Company in order to suspend the use of the Card and cancel the Card identification number. After the notification, the Company shall suspend the service of the Card within 5 minutes from the time the notification was made. The Applicant and/or the Cardholder shall be liable for all debts incurred prior to the notification (including, but not limited to, the cash advance fee). In the absence of such notification and the Card is used by other person, the Applicant and/or the Cardholder shall be responsible for all the incurred debts. However, if the Company later inspects and proves that the incurred debts (either prior to or post notification) are due to the act of the Applicant and/or the Cardholder, or the Applicant and/or the Cardholder has any involvement, the Applicant and/or the Cardholder agrees to be fully responsible for such debts. If the Applicant and/or the Cardholder request the Company to issue a Card replacement, the Applicant and/or the Cardholder shall be responsible for any expense and debts incurred from the use of the Card (for the amount responsible by the Applicant and/or the Cardholder). In addition, the Applicant and/or the Cardholder shall pay the card replacement fee at the rate specified by the Company. If the Applicant and/or the Cardholder retrieve the Card, he/she shall cut the retrieved Card in half to prevent further use of the Card.

1.12 The Cardholder hereby gives consent to the Company, the credit bureau company and any credit data company to which the Company is a member to disclose his/her private data and/or credit data and/or other data stated in the application or in any communication recorded or kept at the Company, the credit bureau company, credit data company, bank, financial institution, and other juristic person that is the member of the credit bureau company, credit data company and subsidiaries of the Company and also consents to the transfer of data abroad including but not limited to Australia and India. Such disclosure of information shall be for the purpose of credit review, credit support or credit analysis of the Cardholder regardless of whether the Cardholder has terminated the account or cancelled the service of the Company. Such disclosure of information shall be used for the purpose of credit analysis or other purposes as stipulated by law and the Cardholder agrees and allows the Company to use the result of the credit analysis for determination whether the qualification of the Cardholder falls under Clause 2.2 or not.

1.13 The Cardholder consents to the disclosure or exchange of data of the Cardholder given to the Company both in the application or in any communication recorded or kept at the Company’s subsidiaries or other persons including the use of the Cardholder’s telephone number, mobile phone number, e-mail address and/or pager number for any communication between the Company and the Cardholder, for sending billing or credit bureau information to the Cardholder via the internet or computer, for sending message or information related to the credit application and news, and offering various services, products or the operation of affiliates’ business, and informing the amount of debt due (if any). The Cardholder shall immediately inform the Company if there is any change of such address or detail. With respect to the collection of debt due (if any), The Cardholder acknowledges and agrees that the Company will appoint the third parties to do the collection for benefit and on behalf of the Company or the Company may do the collection by itself. The Cardholder hereby gives consent to the company and/or its representative in contacting any person related to the Cardholder for such collection in a necessary case or in a case where the company cannot contact the Cardholder and also agree that the company and/or its representative can disclose any information related to the Cardholder’s debt due to such aforementioned person including accepting of any payment or settlement of due debt made by such person as appropriate for the benefit of the Cardholder’s debt collection. The Cardholder agrees that this consent shall be continuous and remain valid although the Card has been terminated. 

1.14 The Cardholder shall immediately notify the Company of the change of the Cardholder’s first name, last name, occupation, home address, and other details.

1.15 If the Company does not notify the cancellation, suspense or decline the use of the Card in accordance with Clause 2.2 hereunder, the Cardholder can use the Card until the expiry date printed on the face of the Card. The renewal of the Card shall be done pursuant to the Company’s policy whereby the company reserves the rights not to renew the Card to any Cardholder whose qualification is not meet the Company’s policy. In the event that the company considers extending the expiry date of the Card, the Cardholder agrees to accept such extension by activating such Card as per the method informed by the Company. If the Card is not renewed, all rights of the Cardholder shall be discharged but the Cardholder is still liable to pay for any outstanding debts under the Card and/or this Agreement (if any) to the Company until all outstanding debts have been paid in full.

1.16 The Cardholder may terminate the use of the Card at any time by (i) informing the Company and/or (ii) cutting the Card in half and sending back to the Company where the Cardholder can ask for refund of the annual fee in proportion to the unused period. Such refund of annual fee shall be done within 1 year from the date the Card is terminated or cancelled by the Cardholder.

1.17 The Cardholder hereby agrees that the Company shall deduct the Cardholder payment in the order as specified under the credit card billing statement.

2. The Company’s rights and obligations

2.1 The Company shall not be responsible in the event that the Card is not accepted by any financial institution, shop or place of service and shall not be liable for any agreement in relation to the sale of goods or services made by the Cardholder with such shop or place of service. The Cardholder agrees that the Company has rights to terminate the Card in a case where the Card is used for any payment if its objective is expressly prohibited by law or is impossible or is contrary to public order or good morals including the use of Card for any commercial purpose or the use of the Card with inappropriate behavior.

2.2 The company reserves its right to reduce credit line, not renewal the Card, suspend the use of the Card and/or to cancel or revoke the rights of the Cardholder (both Primary Card and/or Supplementary Card) upon the occurrence of any of the following event of default or event of termination. In this regard, the Company shall notify the Cardholder of the suspension or revocation and such notification shall take effect immediately. Notwithstanding the suspension or termination of the Card, the Cardholder shall be liable to pay the outstanding amount to the Company within the period as specified in the suspension or revocation notification. 
      (a) The Cardholder has given false statement when applying for membership regardless of whether such false statement had appeared to or had been acknowledged by the Company prior to or after the issuance of the Card to the Cardholder;
      (b) The Cardholder does not comply with any of the terms and conditions hereof;
      (c) The Cardholder fails to make payment when due to the Company or any person or fails to make payment when due to the Company for at least 2 times (whether consecutive or not) within 6 months;
      (d) There occurs change in financial status or income sources of the Cardholder (or the Cardholder has total debts or credit lines with the Company or other financial institution higher than his/her income) and the Company has considered that the Cardholder does not have ability to repay the debts incurred from the use of the Card or there is a circumstance which has a material adverse effect to the Cardholder’s ability to repay debts;
      (e) The Company considers that the Cardholder uses the Card for any purpose difference from the purpose of the Card specified herein and/or has inappropriate behavior for the use of the Card and/or has inappropriate qualification to be a Cardholder including the use of the Card for business purpose, with fraudulent purpose , for any illegal purpose (including, but not limited to, creating and using falsified documents for applying the Card and/or any activities considering as conducting money laundering), or for any purpose that is impossible or in contrary to the good public order or good moral;
      (f) There is a case made against the Cardholder in the civil case, bankruptcy case or criminal case, or there is an order by the relevant authorities to cease the Cardholder’s asset, or the Cardholder commits or is suspected to commit any fraud to the Company and/or other financial institution;
      (g) The Cardholder is death, deceased, disappeared, or incapacitated or is quasi-incapacitated, or is adjudicated to be bankrupt as the case may be;
      (h) The Cardholder fails to provide his/her income proof as required by the Bank of Thailand or any other related government agency within the specified period;
      (i) There is a change in law, ministerial regulation, and/or notification of relevant authority which significantly affects the business of the Company and/or the service provided by the Company in accordance with the terms of Agreement and the company decides to terminate the credit card service under this Agreement;
      (j) In the event where there is no outstanding debt, no transaction made through the Card, no account movement, no contact with the Company, and/or the Company cannot contact the Cardholder (as applicable) for at least 12 consecutive months.
      (k) Any other event as notified by the Company from time to time.
If the Primary Card is suspended or terminated (or not renewed), all Supplementary Cards shall be suspended or terminated immediately with the suspension or termination of the Primary Card.

2.3 During the occurrence of any event of default or event of termination (in addition to the rights to reduce credit line, not renew the Card, suspend the use of the Card and/or to cancel or revoke the rights of the Cardholder upon the occurrence of events under Clause 2.2), the Company reserves the rights to cancel any benefit or privilege providing to the Cardholder including but not limited to cancel the special Credit Usage Fee applied to the Cardholder. In this regard, the Company will adjust such special Credit Usage Fee to be at the normal rate applied to the Card (at the time of this Agreement, interest rate 15% per annum and Credit Usage Charge 5% per annum) until such event of default or event of termination has been cured or resolved. By changing such Credit Usage Fee rate pursuant to this paragraph, it shall not be deemed as interest rate/credit usage charge adjustment which requires the prior notice.

2.4 The Company may transfer its rights, obligations and benefits pursuant to this Agreement whether in whole or in part to the third party without obtaining consent from the Cardholder. In such case, the Company shall notify the Cardholder in writing

2.5 The Company shall have the right to change the payment cycle of the Cardholder by sending not less than 30 days written notice to the Cardholder and it shall be deemed that the debt incurred from the use of the Card shall become due as specified in billing statement.

2.6 The Company reserves the right to amend the terms and conditions on the Credit Usage, interest rate, charges, fees and any service fees, whether in whole or in part. The Company will notify the Applicant and/or the Cardholder by affixing the announcement at the office or branches of the Company or through www.krungsricard.com at least 30 days in advance of the effective date of such amendment. However, in an emergency case, the Company will notify the Applicant and/or the Cardholder by post or publishing in a daily Thai language newspaper at least 7 days in advance, follows by a written notice. The amendment shall be deemed a part of these terms and conditions and the Applicant and/or the Cardholder agree to be bound by the notified new terms and conditions without requiring to produce any document to the Company. 

2.7 No failure to exercise, nor any delay in exercising, on the part of the Company, any right or remedy under the laws or this Agreement shall operate as a waiver, nor shall any single or partial exercise of any right or remedy prevent any further or other exercise or the exercise of any other right or remedy.

3. The Card’s Fees
The Cardholder agrees that the Company can charge the following fees

3.1 When the Cardholder uses the Card for cash advance or payment of goods or services, the Cardholder agrees to repay to the Company together with other fees (if any) an amount being not less than 10% of