Krungsri Private Banking Credit Card

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Enjoy a one-class upgrade on an airline ticket upon meeting specified conditions of maintaining deposit/investment balances and accumulating spending through KRUNGSRI PRIVATE BANKING credit card.

Terms and conditions

• This privilege shall be eligible for KRUNGSRI PRIVATE BANKING clients who meet the following conditions: (1) having an average deposit/investment balance over the past six months as specified for each route; and (2) having a total deposit/investment balance on the redemption date as specified for each route, calculated based on the Bank’s financial products (excluding products opened/used through the Kept Application) that are: deposit products, and/or mutual fund products offered by fund management companies that the Bank acts as selling agent and purchased through the Bank, and/or debentures issued by and purchased through the Bank, and/or life insurance products purchased through the Bank; and (3) having an accumulated spending amount of at least 1 Million Baht on the KRUNGSRI PRIVATE BANKING credit card from Jan 1, 2025 to Dec 31, 2025.
• The said total accumulated spending amount shall not include investment in all types of mutual funds, insurance premiums and unit linked insurance; spending on all types of fuels; spending at all types of hypermarkets and supermarkets; interests, penalties, taxes, fees, cancelled transactions, cash advances, installments, utilities, digital assets, cryptocurrencies, and automatic monthly/annual debits.
• This privilege shall be eligible exclusively to primary holders of KRUNGSRI PRIVATE BANKING credit cards, limited to 1 ticket (round-trip)/calendar year, and could not be transferred, renewed, exchanged, redeemed for cash, carried forward to the next year, or used in conjunction with other promotions; no refunds shall be issued once payment for the ticket is completed.
• Ticket upgrades and seat reservations shall be valid from Jan 1, 2025 to Jan 31, 2026, with travel completed by Jun 30, 2026, with reservations made at least 15 days prior to travel and payments made using the KRUNGSRI PRIVATE BANKING credit card through KRUNGSRI Travel Service or Cathay Pacific directly.
• This privilege will be eligible for the difference of airfare ticket for flight upgrade only.  It will not include airfare ticket, airport taxes, insurances, fuel charges, and other expenses (if any).
• Terms and conditions of Ticket shall be as specified by Thai Airways, Cathay Pacific, Japan Airlines, Swiss International Air Lines, Emirates, Lufthansa, Austrian Airlines, Korean Air and EVA Air (as applicable).
• Terms and conditions shall be as specified by Krungsriayudhya Card Company Limited.
• Krungsriayudhya Card Company Limited shall not be responsible for the service delivery; for service-related inquiries or complaints, please contact the service providers directly.
• Krungsriayudhya Card Company Limited reserves the right to modify the terms, conditions, duration, or cancel this privilege, with at least 30 days’ prior notice.

Terms and Conditions for Airline Ticket Class Upgrades for Thai Airways, Japan Airlines, Swiss International Air Lines, Emirates, Lufthansa, Austrian Airlines, Korean Air and EVA Air
This privilege shall be eligible for an upgrade to Royal Silk Class when purchasing an Economy Class ticket with Thai Airways, or an upgrade to Royal First Class when purchasing a Royal Silk Class ticket.

• For Thai Airways, to upgrade from Economy to Business Class, a class H, M, or B ticket shall be purchased to upgrade to class Z or J. For Business to First Class upgrades, a class J ticket shall be purchased to upgrade to class F.
• For Japan Airlines, to upgrade from Economy to Business Class, a class M ticket shall be purchased to upgrade to class I.
• For Lufthansa and Austrian Airlines, to upgrade from Economy to Business Class, a class M ticket shall be purchased to upgrade to class P.
• For Swiss International Air Lines and EVA Air, to upgrade from Economy to Business Class, a class M ticket shall be purchased to upgrade to class D.
• For Korean Air, to upgrade from Economy to Business Class, a class M ticket shall be purchased to upgrade to class R.
• For Emirates, to upgrade from Economy to Business Class, a class M ticket shall be purchased to upgrade to class O.
• For ticket upgrades and seat reservations with KRUNGSRI Travel Service, please contact KRUNGSRI PRIVATE BANKING Call Center at 0 2296 4565.

Terms and Conditions for Airline Ticket Class Upgrades for Cathay Pacific
This privilege shall be eligible for an upgrade to Business Class when purchasing an Economy Class ticket with Cathay Pacific.

• To upgrade from Economy to Business Class, a class K ticket shall be purchased to upgrade to class P.
• For seat reservations and ticket upgrades, please contact Cathay Pacific at 0 2028 0957, available Monday through Friday, from 08:00 to 17:00.

Use when necessary and pay back full amount on time to avoid 16 % annual interest rate.

Feel safe when you and your family travel anywhere with one of the world's leading insurance companies. The policy covers death or disability without any charges when you pay the full amount of traveling costs via KRUNGSRI PRIVATE BANKING Credit Card.

Download claim request form Click
 

• This privilege is for the primary card of Krungsri Private Banking credit card.
• This privilege is valid from 1 Jan 2024 – 31 Dec 2024.
• Please see Terms & Conditions of the coverage agreement, indemnity and other conditions from the insurance policy.
• The cardholder can obtain additional information or call to make a claim by contacting Krungsri Private Banking Call Center at 0 2296 4565.
• The conditions are as specified by the providers. The Company has no association with services. For any queries, please contact each provider directly.
• The conditions are as specified by the Company.

Receive 3%* cashback at participating Bangchak gas stations for spending every THB 800 per sales slip. Limit of maximum cash back for adding fuel in amount of 4,800 bath per primary card account per 1 billing cycle. (The cashback credit is accumulated from both primary and supplementary cards) and exclude Krungsri point.


Terms and Conditions

• This privilege shall be eligible when spending at participating Bangchak gas stations with a KRUNGSRI PRIVATE BANKING credit card from Jan 1, 2025, to May 31, 2025.
• Limit the maximum cash back amount of 4,800 baht per primary card account per 1 billing cycle. The cashback credit is combined on both primary and supplementary cards.
• Krungsriayudhaya Card Company Limited will credit the cash back in the billing cycle during which the transaction is made. The description will be shown in the cardholder’s monthly statement.
• The normal Krungsri point is excluded.
• The cashback from this privilege shall not be transferred, exchanged, redeemed for cash, or used in conjunction with other promotions.
• Krungsriayudhaya Card Company Limited shall reserves the right to give cashback to primary card accounts which maintain the valid membership status and have good payment records until the date of cashback posts in their accounts.
• Krungsriayudhaya Card Company Limited will withhold/suspend the benefits or recall the benefits (including the accumulated Krungsri points), or charge back to the cardholder's credit card account according to the value of the benefits received by the cardholder in the event that the benefits have been granted in error, the cardholder cancels/rejects transactions or payments subsequently (in full or partial amount), the spending exceeds the credit limit due to overpay or temporary credit limit, benefits are obtained through dishonest or fraudulent means, or the credit card is used for commercial purposes /or for purchasing goods/services from merchants in which the cardholders have direct and indirect interests /or using the credit card for the wrong purpose of purchasing goods/services purposes or not in accordance with the credit card agreement or personal loan agreement (as the case may be), or transactions related to Digital Assets or Cryptocurrency.
• The spending which is entitled to the benefits does not include the spending which is for business benefits and/or personal benefits of the cardholder directly and indirectly in commercial way or in order to obtain benefits from sales promotion programs, the transactions which is not in lined with terms and conditions of the credit card or is  an illegal activity, the transactions made through Electronic Data Capture (EDC) devices under its cardholder's business, or in connection with the business owners.
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• Krungsriayudhya Card Company Limited reserves the right to adhere to information obtained by Krungsriayudhya Card Company Limited. The cardholders shall keep the evidence of program participation and sale slips for further references.
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• All terms and conditions shall be as specified by the service providers; Krungsriayudhya Card Company Limited shall not be responsible for the goods and the service delivery; for service-related inquiries or complaints, please contact the service providers directly.
• Krungsriayudhya Card Company Limited reserves the right to modify the terms, conditions, duration, or cancel this privilege, with 30 days prior notice.
• The terms and conditions shall be as specified by Krungsriayudhya Card Company Limited.
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• Krungsri Credit Card is provided by Krungsriayudhaya Card Company Limited.

Feel safer with the Zero Liability policy, a plan that will prevent any use of your card number in case the card is lost or stolen. the cardholder will not have to be responsible for any expenses arising, with retroactive coverage of as long as 48 hours prior notification of card cancellation.

Terms and Conditions

• The company is limited to liable at the maximum amount of THB 50,000 per account. The cardholder must be responsible for all the excess amount.
• The company will transfer the liability money within 45 days.

Get 50%* discount when buying movie ticket at Embassy Diplomat Screens.
This privilege is limited to 1 right (2 seats)/card number/month and 100 rights/month..


Terms and Conditions

• The privilege is available only for Krungsri Private Banking credit cardholders from Apr 1, 2025, to Mar 31, 2026.
• This privilege shall be eligible when purchasing with a KRUNGSRI PRIVATE BANKING credit card at the ticket counter only.
• This privilege shall not be transferred, renewed, exchanged, redeemed for cash, or used in conjunction with other promotions.
• Krungsriayudhaya Card Company Limited will withhold/suspend the benefits or recall the benefits (including the accumulated Krungsri points), or charge back to the cardholder's credit card account according to the value of the benefits received by the cardholder in the event that the benefits have been granted in error, the cardholder cancels/rejects transactions or payments subsequently (in full or partial amount), the spending exceeds the credit limit due to overpay or temporary credit limit, benefits are obtained through dishonest or fraudulent means, or the credit card is used for commercial purposes /or for purchasing goods/services from merchants in which the cardholders have direct and indirect interests /or using the credit card for the wrong purpose of purchasing goods/services purposes or not in accordance with the credit card agreement or personal loan agreement (as the case may be), or transactions related to Digital Assets or Cryptocurrency.
• Krungsriayudhya Card Company Limited reserves the right to adhere to information obtained by Krungsriayudhya Card Company Limited. The cardholders shall keep the evidence of program participation and sale slips for further references.
• All terms and conditions shall be as specified by the service providers; Krungsriayudhya Card Company Limited shall not be responsible for the goods and the service delivery; for service-related inquiries or complaints, please contact the service providers directly.
• The terms and conditions shall be as specified by Krungsriayudhya Card Company Limited.
• Krungsri Credit Card is provided by Krungsriayudhaya Card Company Limited.

Use when necessary and pay back full amount on time to avoid 16 % annual interest rate.

 

Complimentary Green Fee


Participating Golf Course

Terms & Conditions

• Privilege is valid from 1 Jan 2025 to 31 Dec 2025.
• Privileges are applicable to KRUNGSRI PRIVATE BANKING credit card issued by bank in Thailand only.
• Privileges are valid for the primary cardholder of KRUNGSRI PRIVATE BANKING credit card only and can be utilized once a month per cardholder from all participating golf courses in the Golf Privilege category.
• Privilege booking is applicable via www.vthgservice.com.
• Reservations are required at least 7 days in advance (except on Public Holidays).
• Cardholder will get an email confirmation for privilege booking within 3 working days after booking is made and subject to availability.
• Privilege is limited to the first 30 persons per month, on a first come first served basis.
• KRUNGSRI PRIVATE BANKING credit cardholders must accompany any guest(s). There is limit of a maximum 4 balls per flight and a minimum of 3 balls per flight.
• The use of privilege is limited to a maximum of two KRUNGSRI PRIVATE BANKING credit cardholders per flight only.
• Privileges are inclusive of green fees only. Cost of caddy, golf cart are to be borne by the KRUNGSRI PRIVATE BANKING credit cardholder.
• His / Her guests have to pay for their green fee, golf cart, and caddie at affiliate rates at the club even if his / her guests are KRUNGSRI PRIVATE BANKING credit cardholders.
• Cardholders are not allowed to book the next golf game until the current game has been played.
• Booking cannot be transferred to other person.
• Privileges are subsidized by Visa and not a direct offer from the golf clubs.
• KRUNGSRI PRIVATE BANKING credit cardholders will not be granted access rights to the clubs without prior bookings through the relevant booking channel notified in the communication to the KRUNGSRI PRIVATE BANKING credit cardholders.
• Golf clubs will not entertain any correspondence/enquires and/or attempts for bookings from KRUNGSRI PRIVATE BANKING credit cardholders when they contact the golf clubs directly.
• Any changes and cancellation must be made 2 working days prior to intended tee-off date/time at Tel. 02 919 8423 on Monday – Friday from 9.00 – 17.00 hrs. and subject to availability, otherwise the cancellation and amendment fees will be applied.
• There will be rain checks at Alpine Golf Club, but there is no rain check policy at other golf courses.
• Privilege is not applicable to night golf game.
• Privileges are not valid for use in conjunction with other promotions, membership discounts or offers, and cannot be used with other promotion, participation in social games or golf tournament.
• Visa International (Thailand) Company Limited and Golf course reserves the right to change the conditions, please carefully reconfirm conditions before booking or before using services every time.
• Krungsriayudhya Card Company Limited and Visa International (Thailand) Company Limited shall not be responsible for the service delivery of participating golf courses; for service-related inquiries or complaints, please contact the service providers directly.
• By making a reservation or redeeming this offer, the cardholder acknowledges that they have read, understood, and agreed to the terms and conditions as stipulated. Krungsri Card Company Limited and Visa International (Thailand) Company Limited shall not be liable for any subsequent complaints.

Use when necessary and pay back full amount on time to avoid 16 % annual interest rate.

 

Leading Fitness Services
Indulge in an exceptional health-conscious lifestyle and elevate well-being with a curated selection of premier fitness centers in Bangkok and beyond.

Bangkok and Vicinity

• Renaissance Bangkok Ratchaprasong Hotel (R Fit)
  Open daily from 6:00 AM to 11:00 PM. Contact: 0 2125 5000 ext. 8885.

• Centara Grand at CentralWorld (Life 26)
  Open daily from 6:00 AM to 11:00 PM. Contact: 0 2100 6299.

• Centara Grand at CentralPlaza Ladprao
  Open Monday to Friday from 6:00 AM to 11:00 PM,
  and Saturday to Sunday from 6:00 AM to 10:00 PM.
  Contact: 0 2541 1234 ext. 4038.

• Virgin Active Fitness Club
  Open Monday to Friday from 06.00 AM to 5.00 PM,
  And Saturday to Sunday and public holidays from 4.00 PM till closing time of each branch
  • Empire Tower: 0 2017 9798
  • Siam Discovery: 0 2017 9777
  • EmQuartier: 0 2017 9799
  • CentralFestival Eastville: 0 2017 9755
  • CentralPlaza WestGate: 0 2017 9703

• BB Fitness, Paradise Park (4th Floor)
  Open Monday to Friday from 6:00 AM to 10:00 PM,
  and Saturday to Sunday and public holidays from 7:00 AM to 9:00 PM.
  Contact: 08 2210 2428.

• Anantara Riverside Bangkok Resort
  Open daily and on public holidays from 7:00 AM to 9:00 PM.
  Contact: 0 2476 0022 ext. 1541.

Other Provinces
Chiang Mai

• Shangri-La Hotel Chiang Mai (Health Club) 
  Open daily from 8:00 AM to 8:00 PM.
  Contact: 0 5325 3888 ext. 6540.

Nakhon Ratchasima

• Fitness First, The Mall Korat (3rd Floor)
  Open Monday to Friday from 6:30 AM to 10:00 PM,
  Saturday to Sunday from 7:00 AM to 8:00 PM,
  and on public holidays from 9:00 AM to 8:00 PM.
  Contact: 0 2118 6665.

Khon Kaen

• Fitness First, CentralPlaza Khon Kaen (4th Floor)
  Open Monday to Friday from 6:00 AM to 10:00 PM,
  Saturday to Sunday from 8:00 AM to 9:00 PM,
  and on public holidays from 8:00 AM to 8:00 PM.
  Contact: 0 2118 6665.

Udon Thani

• Fitness First, CentralPlaza Udon Thani (3rd Floor)
  Open Monday to Friday from 6:00 AM to 10:00 PM,
  Saturday to Sunday from 8:00 AM to 9:00 PM,
  and on public holidays from 8:00 AM to 8:00 PM.
  Contact: 0 2118 6665.

Chonburi

• Fitness First, CentralPlaza Chonburi (3rd Floor)
  Open Monday to Friday from 6:00 AM to 10:00 PM,
  Saturday to Sunday from 8:00 AM to 9:00 PM,
  and on public holidays from 8:00 AM to 8:00 PM.
  Contact: 0 2118 6665.
   
• Centara Grand Mirage Beach Resort Pattaya (Lifestyle)
  Open daily from 6:00 AM to 9:00 PM.
  Contact: 0 3871 4969.

Phuket

• Alpha Health Club
  Open Monday to Friday from 6:30 AM to 10:00 PM,
  Saturday to Sunday from 8:00 AM to 9:00 PM,
  and on public holidays from 6:30 AM to 10:00 PM.
  Contact: 0 7661 2655 - 56.

Songkhla

• Centara Hotel Hat Yai (Cenfit)
  Open daily from 7:00 AM to 8:00 PM.
  Contact: 0 7435 2222 ext. 2730.

Surat Thani

• Fitness Lifestyle Surat Thani
  Open Monday to Sunday from 06.00 AM to 10.00 PM
  Contact 080 837 4295
  
   

Terms and Conditions

• This privilege shall be eligible exclusively to KRUNGSRI PRIVATE BANKING clients who meet the following conditions: (1) having a total deposit/investment balance of at least 50 Million Baht, calculated based on financial products from the Bank (excluding products opened/used through the Kept Application), such as deposit products, and/or mutual fund products offered by fund management companies that the Bank acts as selling agent and purchased through the Bank, and/or debentures issued by and purchased through the Bank , and/or life insurance products purchased through the Bank; and (2) being a primary holder of a KRUNGSRI PRIVATE BANKING credit card, and valid from Jan 1, 2025, to Dec 31, 2025; Eligible cardholders shall use their credit cards and present their ID card prior to service.
• This privilege shall not be transferred, renewed, exchanged, redeemed for cash, or used in conjunction with other promotions.
• Advance service reservations shall not be permitted.
• In the event that a credit card (including supplementary cards sharing the same credit limit) exceeds the designated credit limit or is currently utilizing a temporary credit limit, Krungsri Card Company Limited reserves the right to suspend or terminate the use of fitness center services.
• All terms and conditions shall be as specified by the service providers; in the event of failing to meet the specified conditions, Krungsriayudhya Card Company Limited shall reserve the right to deny the provision of services.
• Terms and conditions are subject to the provider's terms and policies. Krungsri Card Company Limited is not responsible for the service. For any inquiries, please contact the service provider directly.
• Krungsriayudhya Card Company Limited shall reserve the right to modify the terms, conditions, duration, or cancel this privilege, with 30 days prior notice provided.
• The terms and conditions are as specified by Krungsriayudhya Card Company Limited.

Reserved Parking Privilege

Remark: To enjoy this service, please present your Krungsri Private Banking credit card.


Terms and Conditions

• This privilege shall be eligible to primary credit cardholders of KRUNGSRI PRIVATE BANKING credit cards who maintain their active membership status, and valid from Jan 1, 2025, to Dec 31, 2025.
• Reserved parking at Hyatt Regency Bangkok Suvarnabhumi Airport:
  • Reservations shall be made at least 3 business days prior to service through KRUNGSRI PRIVATE BANKING Call Center at 0 2296 4565;
  • Customers must inform flight detail and other information for the reservations and upon providing flight details and other necessary information, and receiving a confirmation email from the hotel, customers may avail of the service.
  • Limited to 4 parking spaces/day, a maximum of 48 hours/vehicle/visit and 2 privileges/primary card account/month; any additional parking charges shall be borne by card holders. Exceeding hour(s) are subject to the conditions of the Hotel’s Parking Rules and shall be borne by the customers. Due to there is limited parking space, if the amount of reservations exceeds the availability of parking spaces at similar date and time, the available parking spaces will be allocated to the customers who made the booking first.
• All terms and conditions shall be as specified by the service providers; Krungsriayudhya Card Company Limited shall not be responsible for the service delivery; for service-related inquiries or complaints, please contact the service providers directly.
• For more information, please contact KRUNGSRI PRIVATE BANKING Call Center at 0 2296 4565.
• The terms and conditions are as specified by Krungsriayudhya Card Company Limited.

Personal Assistance Services
Rest assured anywhere and anytime with emergency roadside assistance and towing services, as well as personal assistant service and in-home emergency assistance service, all available 24/7 every day.

Emergency Roadside Assistance & Towing Service
In the event of vehicle breakdowns requiring immediate minor repairs, such as tire changes or battery recharges, Krungsriayudhya Card Company Limited shall coordinate with automotive specialists for assistance, and, should issues not be resolved on-site, arrange for tow trucks to transport vehicles to the nearest repair facilities.

Personal Assistant Service
In the event that assistance is required with recommendations or reservations for hotels, flowers, restaurants, and other special occasions, Krungsriayudhya Card Company Limited shall provide professional personal assistant services, tailored to suit every lifestyle and unique need, all to transform every day into an extraordinary experience.

In-Home Emergency Assistance Service
In the event of lost house keys, plumbing blockages, or any other issues, Krungsriayudhya Card Company Limited shall provide in-home emergency assistance for all unforeseen circumstances, available 24/7 every day.

 
Terms and Conditions :

• This privilege shall be eligible to primary holders of KRUNGSRI PRIVATE BANKING credit cards who maintain their active membership status, and valid from Jan 1, 2025, to Dec 31, 2025.
• Emergency roadside assistance and towing services shall be provided nationwide in Thailand, including Phuket, but excluding other islands.
• Emergency roadside assistance and towing services shall not cover accidents occurring on the road.
• Towing services shall be limited to 1,500 Baht/case or the first 20 kilometers, with coverage restricted to 1 case/calendar year; and any additional charges incurred beyond this limit shall be borne by the card holders.
• Towing services shall be limited to situations where primary holders are present at the vehicles during the service; this privilege shall be eligible exclusively to credit card holders, and not be transferred, exchanged, or substituted for other services for other individuals.
• Towing services shall be limited to roadside emergencies such as flat tires, non-starting vehicles, dead batteries, or overheating.
• In the event that additional parts are required, the charges for such parts shall be borne by the card holders.
• All terms and conditions shall be as specified by the service providers; Krungsriayudhya Card Company Limited shall not be responsible for the service delivery; for service-related inquiries or complaints, please contact the service providers directly.
• For more information, please contact KRUNGSRI PRIVATE BANKING Call Center at 0 2296 4565.
• The terms and conditions are as specified by Krungsriayudhya Card Company Limited.

Terms and Conditions of “Krungsri Point” Reward Points
“Krungsri Point” is the rewarding program offered by Krungsriayudhya Card Company Limited to deliver benefit points for members making payment through Krungsri Credit Card according to the following terms and conditions featuring point calculation, redemption for general goods and services as followed.

1. To receive 1 “Krungsri Point” once spending every 25 baht per sale slip (for the partial number which is unable to calculate equally to) in order to obtain benefits from “Krungsri Point” Program.

2. All spendings through Krungsri Credit Card which are not considered for Krungsri Point’s eligibility:
2.1 Spending though credit card in cash withdrawal program, Utilities’ Krungsri Smart Bill, Bangchak Gas Station, mutual fund, AIA insurance premiums, unit-link insurance, or the other fees.
2.2 Credit card payment in foreign currency through shops or service providers registered within European Economic Area (EEA) and United Kingdom for Krungsri Visa, MasterCard, and JCB from the effective date of 16 January 2020. This also includes payment amount from vendors registered in People’s Republic of China (excluding Special Administrative Regions such as Hong Kong Macau). For Krungsri Visa, MasterCard, and JCB, from 01 May 2022, the payments via websites or application registered in European Economic Area (EEA) and United Kingdom (UK) and People’s Republic of China will remain eligible to obtain “Krungsri Point”, certain rights are reserved according to conditions set by the Company.
* European Economic Area (EEA) means the country of Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland (including Åland Islands), France, (including French Guyana, Guadeloupe, Martinique, Réunion, Saint Barthelemy, and Mayotte), Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal (including the Azores and Madeira), Romania, Slovakia, Slovenia, Spain (including Canary Islands, Ceuta and Melilla), Sweden, Lichtenstein, and Iceland (including Svalbard and Jan Mayen) 
* United Kingdom means England, Wales, Scotland, and Northern Island (including Gibraltar) 
2.3  All payments via any type of Krungsri Credit Card under these vendors and  MCC category as followed
1) All payment for utilities bills which are electricity, water supply, and any fee of Telephone Organization of Thailand via any channels
• Metropolitan Electricity Authority (MEA)
• Provincial Electricity Authority (PEA)
• Metropolitan Waterworks Authority (MWA)
• Provincial Waterworks Authority (PWA) 
• Any fee of Telephone Organization of Thailand
2) Payments to government agencies as follows
• MCC 9211 Court Costs & Alimony & Child Support 
• MCC 9222 Fines 
• MCC 9223 Bail and Bond Payments
• MCC 9311 Tax Payments 
• MCC 9399 Government Services -not elsewhere classified 
• MCC 9405 Intra-Government Purchases -Government Only 
• MCC 7802 Government Licensed Horse/Dog Racing 
3) Payment for Public Transport Category
• MCC 4111 Local and Suburban Commuter Passenger Transportation, Including Ferries 
• MCC 4112 Passenger Railways: State Railway of Thailand (SRT) and SRT Electric Train Company (SRTET) 
• MCC 4131 Bus Lines: Bangkok Mass Transit Authority (BMTA) and The Transport Co. Ltd (
• MCC 4784 Tolls and Bridge Fees: Expressway Authority of Thailand (EXAT), Department of Highway (DOH), BEM and Don Muang Tollway Public Company, via Easy Pass and M Pass tollway radio-frequency identification (RFID) tags    
3. The Company reserves its right to change or adjust participating items or vendors as well as other details of “Krungsri Point” program, and criteria for “Krungsri Point” redemption for products or services by certain period and conditions.

Krungsri Point Spending
1. Spending Points for redeeming and/or purchasing regular products/service
1.1 Members shall use the collected “Krungsri Point” to redeem or pay for goods/services at more than 10,000 participating stores over Thailand.
1.2 Members shall use the collected “Krungsri Point” along with partial payment to redeem or purchase products/services. Krungsri Credit Card will later collect additional payment via credit card account, which will be later shown in credit card statement on the date of point redemption. 
1.3 To redeem “Krungsri Point” by combined using accumulated points between the member's primary card credit card account “or transferred to other members under the same surname to redeem or pay for goods/services on your own through UCHOOSE application before redeeming or paying for goods/services.
1.4 Goods/services participating in “Krungsri Point” Rewarding Program already include value-added tax (VAT) unless stated otherwise. 
1.5 Members shall be able to check outstanding points of the credit card account by contacting customer service center telephone number 02 646 3555 or directly via UCHOOSE Application.

2. “Krungsri Point” for Royal Orchid Plus of Thai Airways
2.1 All types of Krungsri Credit Card members can convert “Krungsri Point” to Thai Airways International Royal Orchid Plus mileage by the following rate;
- 2 points = 1 Royal Orchid Plus – for Krungsri Private Banking Credit Card, Krungsri Exclusive Signature Credit Card, and Krungsri Signature Credit Card at the minimum 6,000 points and 1,000-point increment (points lower than 1,000 cannot convert.)
- 3 points = 1 Royal Orchid Plus – for all other types of Krungsri Credit Card, at the minimum 6,000 points and 1,000-point increment (points lower than 1,000 cannot convert.) starting from 01 January 2024.
2.2 Members who redeem “Krungsri Point” to Royal Orchid Plus mileage are required being as a previously Royal Orchid Plus members . In case there is a joining fee for Royal Orchid Plus reward program, the members are subjected to payment.
2.3 Once “Krungsri Point” is redeemed to be Royal Orchid Plus mileage, there is no redemption back to “Krungsri Point” again. The Company reserves the right not to be responsible for any redeemed points to Royal Orchid Plus and for any action of the Airline.
2.4 Mileage redemption will take up to 3 business days. Members aiming to redeem mileage must ensure sufficient process time for redemption.
2.5 The Company reserves the right to redeem the main credit card member.
2.6 The Company and The Airline reserve their rights to change information without prior notice to members.
2.7 Members can enquire more information on Royal Orchid Plus at Royal Orchid Plus customer service center at tel. 0 2545 2000 fax 0 2545 3300 from 08.00 – 17.00 hour on working day or visit www.thaiairways.com/rop

3. “Krungsri Point” for FlyerBonus of Bangkok Airways
3.1 All types of Krungsri Credit Card members can convert “Krungsri Point” to FlyerBonus points of Bangkok Airways International at the following rate:
- 3 points = 1 FlyerBonus point – at the minimum 1,500 points and 1,500-point increment (points lower than 1,500 cannot convert.)
3.2 Members redeem “Krungsri Point” to FlyerBonus point are required being as a previously Royal Orchid Plus members. In case there is a joining fee for Royal Orchid Plus reward program, the members are subjected to payment on their own.
3.3 Once “Krungsri Point” is redeemed to FlyerBonus point, there is no redemption back to “Krungsri Point” again. The Company reserves the right not to be responsible for any redeemed points to FlyerBonus point and for any action of Bangkok Airway.
3.4 The Company reserves the right to redeem for the main credit card member.
3.5 The Company and The Airline reserve their rights to change information without prior notice to members.
3.6 Members can enquire more information on FlyerBonus point of Bangkok Airway at FlyerBonus point customer service center Mondays to Fridays from 08.00 – 17.30 hour at tel. 1771 press 2 or for more details on FlyerBonus Reward Program at  www.bangkokair.com/flyerbonus

4. “Krungsri Point” for airasia points of AirAsia
4.1 All types of Krungsri Credit Card members can convert “Krungsri Point” to a airasia points by the following rate:
- 2 points = 1 airasia points –at the minimum 6,000 points and 1,000-point increment (points lower than 1,000 is not allow to convert.)
4.2 Members redeeming “Krungsri Point” to airasia points are required to be existing airasia points members already. In case there is a joining fee for Air Asia points reward program, the members are subjected to payment on their own.
4.3 Once “Krungsri Point” is redeemed to airasia points, there is no redemption back to “Krungsri Point” again. The Company reserves the right not to be responsible for any redeemed points to airasia points and for any action of the Airline.
4.4 airasia points redemption will take up to 3 business days. Members aiming to redeem airasia points must ensure sufficient process time for redemption.
4.5 The Company reserves the right to redeem for the main credit card member.
4.6 The Company and The Airline reserve their rights to change information without prior notice to members.
4.7 Members can enquire more information on airasia points via www.Air Asia.com or Air Asia call center tel 02 515 9999 press 1 press 3 (Mondays to Fridays and Holidays from 08.00 – 18.00) closed on weekends. 
4.8 Apply Air Asia member to obtain Air Asia member number at www.Air Asia.com or via its Air Asia Super App.

5. “Krungsri Point” for Asia Miles of Cathay Pacific 
2.1 All types of Krungsri Credit Card members can convert “Krungsri Point” to Asia Miles of Cathay Pacific by the following rate:
- 5 points = 1 Asia Miles –at the minimum 6,000 points and 1,000-point increment (points lower than 1,000 cannot convert.) starting from 01 February 2024.
5.2 Members redeeming “Krungsri Point” to Asia Miles are required being as a previously Asia Miles members. In case there is a joining fee for Asia Miles points reward program, the members are subjected to payment on their own.
5.3 Once “Krungsri Point” is redeemed to Asia Miles points, there is no redemption back to “Krungsri Point” again. The Company reserves the right not to be responsible for any redeemed points to Asia Miles points and for any action of the Airline.
5.4 Asia Miles points redemption will take up to 10 business days. Members aiming to redeem Air Asia points must ensure to spare sufficient process time for redemption.
5.5 The Company reserves the right to redeem for the main membership card only.
5.6 The Company and The Airline reserve the right to change information without prior notice to members.
5.7 Members can enquire more information on Asia Miles points at https://www.asiamiles.com/am/en/about/contact 

6. “Krungsri Point” for JAL Mileage Bank (JMB) of Japan Airline 
6.1 All types of Krungsri Credit Card members can convert “Krungsri Point” to JAL Mileage Bank (JMB) of Japan Airline by the following rate:
- 2 points = 1 JAL Mileage Bank (JMB) for Krungsri JCB Platinum Credit Card–at the minimum 20,000 points and 1,000-point increment (points lower than 1,000 cannot convert.)
- 3 points = 1 JAL Mileage Bank (JMB) for all other types of Krungsri Credit Card–at the minimum 6,000 points and 1,200-point increment (points lower than 1,000 cannot convert.)
6.2 Members can redeem points to JAL Mileage Bank (JMB) during the promotional period of the Company. The Company will transfer to Japan Airline on the 10th and 25th of every month, and Japan Airline shall grant mileage to members within 7 days from the point transfer date. 
6.3 “Krungsri Point” of different type of credit cards cannot be accumulated to redeem to JAL Mileage Bank (JMB).
6.4 Members redeeming “Krungsri Point” to be JAL Mileage Bank (JMB) must be existing member of JAL Mileage Bank (JMB) with the exact same name. 
6.5 Once “Krungsri Point” is redeemed to JAL Mileage Bank (JMB), there is no redemption back to “Krungsri Point” again. The Company reserves the right not to be responsible for any redeemed points to JAL Mileage Bank (JMB) and for any action of the Airline.
6.6 Terms and conditions of JAL Mileage Bank (JMB) are according to the Airline, JAL Mileage Bank (JMB) redemption can take up to 3 weeks.
6.7 Members are advised to spare sufficient process time for alleged redemption. 
6.8 The Company reserves the right to redeem only for the main membership card.
6.9 The Company and The Airline reserve their rights to change information without prior notice to members.
6.10 Members can enquire more information on JAL Mileage Bank (JMB) at http://www.th.jal.com/sr/en/jmb/ 

7. Spending “Krungsri Point” for Donation via Krungsri Credit Card
7.1 The Company reserves the right to participate only for HomePro Visa Platinum Credit Card, AIA Visa Credit Card, Krungsri JCB Platinum Credit Card, Siam Takashimiya Credit Card, and Krungsri Now Credit Card with sufficient reward points only. (The non-participating credit cards including Krungsri Corporate Card, TCC Privilege Credit Card, and Krungsri HomePro Corporate Card) 
7.2 Every 1,000 of “Krungsri Point” shall become 100 baht for donation. 
7.3 Conditions to authorize donation from credit card. 
7.3.1 The Company will charge the card according to the amount the member entering within the credit card account such as 100, 200, 1,000, or 1,500 baht or any other amount defined by the member on the date after the completed transaction date.
7.3.2 After the transaction is confirmed by the Member pressing ‘confirm’, it cannot be cancelled in any circumstances.
7.3.3 The Company reserves the right to charge the amount the member successfully confirms, and only for those with sufficient credit amount, and for the member with regular credit status with normal payment history throughout the marketing campaign. (According to the available current data the Company has, and the Company will not be responsible to any loss of data and any other technical problem.) 
7.3.4 The confirmation of the charged amount according to the amount the member presses ‘confirm’ is final and complete. The Company will confirm the charge from credit line without further written confirmation to the member. 
7.3.5 Members agree with The Company to collect or reveal personal information of cardholder, that is, name, surname, address, and other information such as the donating amount, and the destined charity, in order to produce and deliver receipt for tax deduction, to the members according to stated billing address within 14 days of redemption or donation.
7.3.6 Foundations or charities shall be the one issuing tax receipt/receipt and manage delivery of document to members for tax deduction.
7.3.7 Members spending “Krungsri Point” for cash donation during 25 – 31 December shall be able to use the sum for deduction for the next tax year.
7.3.8 In case of redemption via rewarding point menu or call center, the receiving charity shall provide receipt for tax reduction to members at the billing address within 60 days of the date of redemption.
7.3.9 The members shall obtain full information on private data protection statement at the website of The Company.
7.3.10 The Company reserves the right in the case members redeem points to be a donation sum, the accumulated points will be taken from credit card account of card holder accordingly and cannot be cancelled in any cases.
7.3.11 The Company reserves the right to change or cancel any condition without prior notice.

8. Transferring “Krungsri Point” to Partner’s Rewarding Program
8.1 The Company reserves the right to participate only for HomePro Visa Platinum Credit Card , AIA Visa Credit Card, Krungsri JCB Platinum Credit Card, Siam Takashimiya Credit Card, and Krungsri Now Credit Card with sufficient reward points only. (The non-participating c credit card including Krungsri Corporate Card, TCC Privilege Credit Card, and Krungsri HomePro Corporate Card)
8.2 The daily limit for redemption is 500,000 points per main card member.
8.3 The Company reserves the right in case members redeem points to transfer to any other partner program, the accumulated points will be taken from credit card account of card holder accordingly and cannot be cancelled in any cases.
8.4 The Company reserves the right to change or cancel any condition without prior notice.

9. Redeeming “Krungsri Point” to be a cash deposit to a saving account of Bank of Ayudhya
9.1 The Company reserves the right to participate only for HomePro Visa Platinum Credit Card, AIA Visa Credit Card, Krungsri JCB Platinum Credit Card, Siam Takashimiya Credit Card, and Krungsri Now Credit Card with sufficient reward points only. (The non-participating credit card including Krungsri Corporate Card, TCC Privilege Credit Card, and Krungsri HomePro Corporate Card)
9.2 The daily limit for redemption is 500,000 points per main card member (equal to 50,000 baht) 
9.3 Members shall redeem accumulated points to be a cash deposit into a bank account at Bank of Ayudhya at the rate of 1,000 points equal to 100 baht (with 1,000-point increment)
9.4 The accumulated reward points shall be taken from the credit card account on the date of redemption and transferred into the bank account specified by the card member.
9.5 When members complete redeeming points to such bank account, this cannot be cancelled in any cases, except when redemption system fails.
9.6 The member redeeming points to Bank of Ayudhya account must be the same person as the account owner.
9.7 The redemption points can be transferred to Bank of Ayudhya account certain types of account including all type of saving account, online saving account with active status, but not including tax free fixed deposit accounting (24 months), fixed deposit account, and current account.
9.8 The Company reserves the right not to redeem points to closed and suspended account.
9.9 The saving account interest is subject to The Bank.
9.11 Members should understand the conditions and incentives of redeeming points to be a cash deposit before making final decisions.
9.12 Members can request more information on the interest rate of the Bank via tel. 1572. 
9.13 The Company holds no responsibility for failure or service, in the case of failures, further questions, or inconvenience, please contact directly to the service provider.

10. Redeeming “Krungsri Point” to gain credit back to deduct credit card bill
10.1 The Company reserves the right to participate only for HomePro Visa Platinum Credit Card, AIA Visa Credit Card, Krungsri JCB Platinum Credit Card, Siam Takashimiya Credit Card, and Krungsri Now Credit Card with sufficient reward points only. (The non-participating c credit card including Krungsri Corporate Card, TCC Privilege Credit Card, and Krungsri HomePro Corporate Card)
10.2 The daily limit for redemption is 500,000 points per main card member (equal to 50,000 baht)
10.3 Credit back sum will be shown in credit card account in the next day after redemption.
10.4 The Company reserves the right in case members complete redeeming points to obtain credit back, subsequently the points will be taken off credit card accounting accordingly, and this cannot be cancelled in any cases.

11. Redeeming “Krungsri Point” for Goods and Vouchers
11.1 The Company reserves the right to participate only for HomePro Visa Platinum Credit Card, AIA Visa Credit Card, Krungsri JCB Platinum Credit Card, Siam Takashimiya Credit Card, and Krungsri Now Credit Card with sufficient reward points only. (The non-participating c credit card including Krungsri Corporate Card, TCC Privilege Credit Card, and Krungsri HomePro Corporate Card)
11.2 The daily limit for redemption is 500,000 points per main card member (equal to 50,000 baht)
11.3 Members on can choose to adjust points to redeem as they wish which is consistent with The Company’s condition, and when completed, this cannot be cancelled in any case.
11.4 All redeemed items already include value-added tax.
11.5 Members must ensure the correct delivery address at the end of the redeeming process. In the case of failed delivery due to incorrect address, the cost of new delivery will be charged to the member.
11.6 Redeemed goods will be “started” delivering within 7 working days after the transaction completes and will arrive at the stated address within 14 working days from the shipping date.
11.7 Redeemed goods are not exchangeable or returnable in any cases except damages or any failure of Buzzebees Company Limited or logistics partner. In such cases, members will only be compensated by again getting the redeemed goods delivered without further cost only. Members can directly contact on exchanges with Buzzebees Company Limited call center at tel. 02 6450014 within 3 working days and returns goods to the delivered via the sender’s address on the package, in case of missing address, please send to redeeming goods, Buzzebees Company Limited 100/81-84 and 100/86-87 Vongvanij Complex B, Floor 25-26, Rama IX Rd, Huaykwang Bangkok 10310, within 7 working days.
11.8 In case of no signing recipient, members must collect the items at post office within 7 days. After 7 days, the shipped item will be returned to the sender, and the member is required to pay for this new delivery.
11.9 For more information and enquiry on reward point redemption, please contact credit card customer service center.
11.10 All goods are supervised and delivered by Buzzebees Company Limited. For more information on products and delivery, please contact Buzzebees call center 02 6450014 during working hours Mondays – Fridays only from 09.00 – 18.00 hours.

12. Redeeming “Krungsri Point” for e-Coupon
12.1 The Company reserves the right to participate only for HomePro Visa Platinum Credit Card, AIA Visa Credit Card, Krungsri JCB Platinum Credit Card, Siam Takashimiya Credit Card, and Krungsri Now Credit Card with sufficient reward points only. (The non-participating c credit card including Krungsri Corporate Card, TCC Privilege Credit Card, and Krungsri HomePro Corporate Card)
12.2 The daily limit for redemption is 500,000 points per main card member (equal to 50,000 baht)
12.3 The Company reserves the right to redeem only the main card with sufficient points for redemption. The phone number that is used in redemption must be same as the number in shown in The Company’s system only. Any other changes must be only executed by calling credit card customer service center via contact number on the card.
12.4 The Company reserves the right in case members redeem points to be e-Coupon, the accumulated points shall be taken from credit card account of such card, and this cannot be cancelled in any cases. 
12.5 Member cannot claim the right by using screen capture from mobile device/ cannot jointly use with other discount or promotion / cannot exchange to cash or get cash changes.
12.6 In case that e-Coupon is requested and issued but fails to be used or spent within the given condition and time for any reason, The Company reserves the right to compensate or reissue e-Coupon in any cases.

13. Members can transfer “Krungsri Point” between the main credit card accounts or to other main credit card accounts of the person with the same surname via UCHOOSE application according to these conditions.
Terms and conditions for transferring “Krungsri Point” are as follows.
13.1 The Company reserves the right to transfer only among the main credit cards issued by Krungsriayudhya Card Company Limited.
13.2 In case that an individual card member has more than one Krungsri credit card, the member can transfer among main accounts of the same name and surname.
1.3 Members can choose to transfer points to their main credit card account to other person(s) with the same surname.
13.4 In case that the card member change first name and/or surname which alter spelling and eventually make the spelling different than those in the system, such card member must contact member service center via the phone number printed on the credit card.
13.5 When card member executes accumulated reward point transfer as a transferer, it is deemed that such card member agrees to transfer every time the transfer takes place, therefore the transaction is completed. So, this cannot be later cancelled or adjusted in any cases. Nonetheless, in transferring points the member making transfer is the one to identify the 16-digit number of the receiving account and needs to confirm that the obtained information is legitimate, and acknowledges that the Company is merely an actor complying with the transfer request given by the point owner.
13.6 Krungsri Exclusive Credit Card group features Krungsri Private Banking Credit Card, Krungsri Exclusive Signature Credit Card, Krungsri Signature Credit Card. All credit cards in exclusive group can receive and transfer among them in the group from the main account of card member of the same first and surname, or main account of other person with the same surname.
- Krungsri Exclusive credit card can transfer points to Krungsri credit cards of any type except Krungsri JCB cards of the main account of the same first name and surname or other account with the same surname.
13.8 Krungsri credit cards JCB group feature JCB Platinum Credit Card, and Siam Takashimaya JCB.
- Krungsri credit cards of JCB group can receive and transfer points among them within the group from the main account of card members of the same first name and same surname, or other account of the same surname.
- Krungsri credit cards of JCB group can transfer points to Krungsri credit cards of any type except Krungsri Exclusive Credit Card group of the main account of card members of the same first name and same surname, or other account of the same surname.
- The Company reserves the right to transfer for the main card member of normal account status.
- The daily limit for redemption is 500,000 points per main card member (calculated from all the transfer channels.)
- In case that the giving member and receiving member hide card status on UCHOOSE application, the transfer can be completed by contacting credit card customer service center only. Please enquire more information by contacting credit card customer service center via the phone number stated on the back of credit card.

14. Terms and Conditions of Rewarding Points and Redemptions
14.1 Cardholders agree and acknowledge any timely rewarding points or other benefit programs from card usage of cardholders according to terms and conditions of such programs which The Company will inform cardholders. Cardholders agree to be obliged to related agreements that are deemed as part of this contract.
14.2 Cardholders agree that all benefits and privileges including but not limited to privileges from sale promotion, rewarding programs, or any other benefits which the Company provides for cardholders beside others than stated on the conditions of such programs, cardholders agree that the Company will grant benefits and/or privilege to cardholders complying with conditions (if any) except the case that the accounts of cardholders are suspended or cancelled (regardless temporary or permanent) or cardholders have a history of missing payment, or commercial card usage that abuse the objectives of credit card usage, or violating law or general public moral or having history of overpayment with an intention to obtain benefits and/or privilege more than deserved from the current card limit or in cases cardholders violate any terms and conditions of this agreement.

Use when necessary and pay back full amount on time to avoid 16 % annual interest rate.