• Eligible cardholders must register for the promotion in order to receive cashback benefits. Registration can be completed via SMS by typing TA (space) followed by the last 12 digits of the credit card number and sending to 4545888, and receiving a confirmation message, or via the K PLUS application, only during the period from 1 February 2026 to 30 April 2026.
• The Bank will calculate eligible spending from airline ticket purchases made directly with participating airlines only, through online channels (official airline websites only) or offline channels (official airline sales offices or airline service counters only). Transactions must be charged in Thai Baht, made with the registered credit card, and incurred during 1 February 2026 to 30 April 2026, under the eligible merchant categories as determined by the applicable MCC Codes. Eligible airlines include Thai Airways and other participating airlines under the “Fly & Enjoy Travel Campaign” only.
• Cashback calculation method:

            - Spending of THB 20,000–49,999 per sales slip                    will receive cashback of THB 250

           - Spending of THB 50,000–119,999 per sales slip                    will receive cashback of THB 700

          - Spending of THB 120,000–199,999 per sales slip                will receive cashback of THB 2,000

         - Spending of THB 200,000 or more per sales slip                 will receive cashback of THB 4,200

• Cashback is limited to a maximum of THB 4,200 per person per month, and a maximum of THB 12,600 per person throughout the entire promotion period.
• The Bank will aggregate eligible spending from all Kasikornbank credit cards under the same cardholder name. Cashback will be credited to the registered credit card account within 60 business days from the end of the promotion period, and cardholders may check the cashback in the next billing statement.
• In the event that a cardholder registers more than one credit card and uses multiple cards, the Bank will credit the cashback to the credit card with the highest eligible spending during the promotion period.
• Transactions converted into 0% installment plans for up to 10 months via airline websites or EDC machines directly with Thai Airways are not eligible to receive cashback of up to THB 12,600 under this promotion.
• Transactions converted into 0% installment plans for up to 10 months via airline websites or EDC machines directly with Thai Airways are not eligible to receive cashback of up to THB 12,600 under this promotion.

• Cardholders may check their available K Point balance prior to making a redemption via the K PLUS application or by calling 02-888-8888 press 823.
• This promotional campaign is organized by Kasikornbank Public Company Limited (“the Bank”). Eligible Kasikornbank credit cardholders (“cardholders”) will receive cashback when making full-payment transactions charged to Kasikornbank credit cards and registering to participate in the promotion to receive cashback of up to 15% by redeeming K Points equal to the spending amount.
• Cardholders must register each time they wish to redeem K Points by sending an SMS in the following format:
  TT (space) last 12 digits of the credit card number (space) spending amount (no decimals)
  Send to 4545888 (SMS charges depend on the mobile network operator), and receive a confirmation message.
  Registration is available only during 1 February 2026 – 30 April 2026.
• The maximum K Point redemption is limited to 80,000 points per person for the entire promotion period.
• Example: Mr. A makes a purchase of THB 3,000 using The Wisdom Credit Card number XXXX123456789999. He sends an SMS: TT 123456789999 3000 to 4545888.
  If sufficient K Points are available, the Bank will deduct 3,000 K Points and credit THB 450 as cashback.
• The Bank will calculate cashback solely based on the number of K Points redeemed via SMS as notified by the cardholder.
• Redeemed K Points will be deducted from the cardholder’s K Point balance according to the number of points redeemed via SMS.
• If the cardholder has insufficient K Points, the Bank will not deduct points nor credit any cashback.
• Redeemed K Points cannot be cancelled, refunded, or changed under any circumstances.
• Cashback will be credited to the cardholder’s credit card account within 60 business days from the end of the promotion period, and cardholders may check the cashback in the next billing statement.
• Credit cards not eligible for K Point redemption under this promotion include: LINE POINTS Credit Card, Kasikornbank Mastercard Titanium, Business Credit Cards, Corporate Credit Cards, Xpress Cash, Fleet Card

• The promotion period is from 1 February 2026 to 30 April 2026 (“Promotion Period”).
• This promotion is available to all types of Kasikornbank credit cardholders, excluding Business Credit Cards, Corporate Credit Cards, Xpress Cash, and Fleet Card, which are not eligible to participate.
• For The Wisdom Credit Card and The Premier Credit Card cardholders (“Cardholders”), the 2 Top Spenders with accumulated eligible spending in Thai Baht (“Top Spenders”) of THB 1,000,000 or more during the Promotion Period will each receive one reward: Round-trip Business Class tickets on Thai Airways, Bangkok–Japan (2 persons per reward). The value is THB 85,600 per person, with a total value of THB 171,200 per reward.
• For other Kasikornbank credit cardholders (“Cardholders”), the 2 Top Spenders with accumulated eligible spending in Thai Baht (“Top Spenders”) of THB 500,000 or more during the Promotion Period will each receive one reward: Round-trip Economy Class tickets on Thai Airways, Bangkok–Japan (2 persons per reward). The value is THB 30,471 per person, with a total value of THB 60,942 per reward.
• Business Class and Economy Class tickets are subject to specified booking class codes only, and are valid for travel on Tokyo, Osaka, and Nagoya routes only.
• The Bank will calculate accumulated spending from all Kasikornbank credit cards under the same cardholder name only.
• Cardholders must register to participate in the promotion and make eligible spending using Kasikornbank credit cards for airline ticket purchases with participating airlines, including Thai Airways, ANA, Asiana Airlines, Cathay Pacific, Emirates, EVA Air, Japan Airlines, Korean Air, Qatar Airways, and Singapore Airlines, within the Promotion Period. All eligible spending must be charged in Thai Baht and meet the minimum spending criteria specified by the Bank.
• Cardholders must accumulate eligible spending that meets the specified threshold within the Promotion Period only. Each cardholder is entitled to a maximum of one reward throughout the entire Promotion Period.
• The Bank will announce the names of the eligible winners by 30 June 2026 on www.kasikornbank.com
• Winners of prizes valued at THB 1,000 or more agree that the Bank shall deduct 5% withholding tax and remit such tax to the Revenue Department in accordance with the law.
• Winners acknowledge that rewards received under this promotion constitute assessable income under Section 40(8) of the Thai Revenue Code and must be included in the calculation of annual income tax.
• Rewards cannot be changed, exchanged for cash, or transferred to any other person under any circumstances.

• This special privilege is available exclusively to Kasikornbank credit cardholders participating in the promotion. Eligible cardholders may enjoy 0% installment payments for up to 3 months via the K PLUS application. Details on how to convert transactions into installments via K PLUS are available at: https://www.kasikornbank.com/th/kplus/instruction/installment
• Installment conversion requests can be made during the period from 1 February 2026 to 30 April 2026.
• Eligible transactions include full-payment airline ticket purchases made with all airlines, through: 
  • Online channels (official airline websites only), or Offline channels (official airline sales offices or airline service counters only), charged in Thai Baht only. Excluded transactions include installment payments made through airline websites, installment payments via EDC machines at airline sales offices or service counters, or any channels other than those specified.
• Eligible transactions may be converted into monthly installments through KBank Smart PAY via the K PLUS application, with 0% interest for 3 months only.
• During the Promotion Period, cardholders must have airline ticket spending of not less than THB 30,000 per sales slip to be eligible. Cardholders must submit the installment conversion request via the K PLUS application only, after the airline has charged the transaction to the Bank and at least 3 business days before the credit card statement closing date.
• Transactions eligible for installment conversion must not be made using temporary credit limits. The Bank reserves the right to cancel installment plans if it is later found that the transaction amount exceeds the cardholder’s normal credit limit.
• Eligible transactions are limited to airline category spending under Airline MCC Codes, including but not limited to: 3000-3009, 3010-3029, 3030-3049, 3050-3059, 3060-3069, 3071-3072, 3075-3079, 3082-3090, 3094, 3096-3100, 3102-3103, 3106, 3110-3112, 3115, 3117-3118, 3125-3127, 3129-3133, 3135-3138, 3143-3146, 3148, 3151, 3154, 3156, 3159, 3161, 3164-3165, 3167, 3170-3172, 3174-3178, 3180-3188, 3190-3191, 3193, 3196-3197, 3200, 3203-3204, 3206, 3211-3213, 3215-3223, 3226, 3228-3229, 3231, 3233-3236, 3238-3243, 3245-3248, 3251-3254, 3256, 3259-3263, 3266-3267, 3280, 3282, 3284-3287, 3292-3299, 3301 and 3168 only.
• Transactions converted into 0% installment plans for 3 months will not earn K Points under the credit card benefits. Once a cardholder elects to convert a transaction into installments, the Bank shall deem that the cardholder has waived the right to receive K Points, and no K Points will be credited to the credit card account.
• Only transactions converted into 0% installment plans for 3 months via K PLUS, charged in Thai Baht under this promotion, will be eligible for cashback under Benefit No. 1 of this campaign. Cashback calculation will be based on the full transaction amount only.
• Cardholders eligible to convert transactions into installments must have a good payment history for at least the most recent 6 consecutive billing cycles and must not have violated any of the Bank’s credit card terms and conditions.
• Approval of 0% installment plans for 3 months via K PLUS is subject to the Bank’s rules, terms, and conditions.
• In the event that a credit card is cancelled for any reason, the Bank reserves the right to immediately demand full repayment of all outstanding balances, including interest and fees.
• Once an installment plan has been selected, it cannot be changed. Cardholders wishing to settle the installment plan early must contact the Bank at least 3 business days before the credit card statement closing date.

• Transactions made through travel websites or applications, tour companies, or travel agents are not eligible to participate in this promotion.
• Cardholders eligible to receive cashback and/or Top Spender rewards under this promotion must maintain their credit card accounts in good standing, with a good payment history, no overdue payments, and no violations of any terms and conditions governing Kasikornbank credit card usage.
• This promotion cannot be combined with other promotions. Benefits under this promotion cannot be transferred, assigned, exchanged for cash, or redeemed for other rewards or benefits under any circumstances.
• Ineligible transactions include, but are not limited to:

o  Monthly charges converted into installment plans under Smart Pay by Phone and Smart PAY 0% for 3–10 months via airline websites or EDC machines with Thai Airways or other airlines (if any)

o  Cash withdrawals

o  Cancelled or refunded transactions

o  Foreign currency exchange transactions

o Interest charges, penalties, and fees

o Mutual fund purchases

o Life insurance and non-life insurance purchases

o Tax payments

o Transactions made for commercial or business purposes

o Transactions processed through EDC machines at the cardholder’s own business

o Transactions that directly or indirectly provide business or personal benefits to the cardholder for commercial gain or for the purpose of obtaining promotional benefits

o Transactions that do not comply with credit card terms and conditions or involve any unlawful acts

• Transactions converted into 0% installment plans for up to 10 months via airline websites or EDC machines directly with Thai Airways are not eligible for this promotion.
• The Bank reserves the right to suspend, cancel, revoke, and/or reclaim any benefits under this promotion, in whole or in part, at any time without prior notice, and to claim damages (if any), if the Bank determines that the cardholder is ineligible, fails to comply with the specified terms and conditions, or has participated in the promotion in a dishonest, fraudulent, or abusive manner, including but not limited to transaction cancellations, modifications, or refunds made after receiving promotional benefits.
• In the event of any dispute, the Bank’s decision shall be final.
• In the event of any amendment, modification, addition to the terms and conditions, change in benefits, or cancellation of this promotion for any reason, the Bank will announce such changes via www.kasikornbank.com/th/promotion/credit-card 
• The Bank is not the manufacturer, distributor, or service provider of the products and/or services under this promotion and shall have no liability or responsibility whatsoever in relation thereto. Any inquiries, complaints, requests for receipts, or tax invoices regarding products and/or services must be directed to the respective manufacturers, distributors, service providers, or owners of such products or services.
• Cardholders may contact K-Contact Center at 02-888-8888 or visit www.kasikornbank.com/th/promotion/credit-card for additional information and detailed terms and conditions of this promotion.

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

0% interest for 3 months applies only when the cardholder repays the full installment amount within the payment due date.