• Exclusively for SCB PRIVATE BANKING, SCB FIRST, and SCB PRIME credit cards
• Cash back is calculated per sales slip. Partial amounts that do not meet the minimum threshold will not be counted.
• Cash back rates:
 – Spend 20,000 – 49,999 baht: receive 250 baht
 – Spend 50,000 – 79,999 baht: receive 750 baht
 – Spend 80,000 – 119,999 baht: receive 1,500 baht
 – Spend 120,000 baht or more: receive 2,500 baht
• Total cash back is limited to 7,500 baht per person throughout the promotion period, calculated across all participating airlines and all registered card types under the same name.

• To register for the cash back privilege, type AL [space] followed by the last 12 digits of your credit card number and send to 4545454. Register all eligible cards you wish to use. You will receive a confirmation message from CardX/SCB upon successful registration (SMS fees apply).

• Applicable for CardX and SCB credit cards, excluding CardX FAMILY PLUS and SCB FAMILY PLUS credit cards
• Redeemed POINTX must not exceed the spending amount per sales slip
• For SCB PRIVATE BANKING, SCB FIRST, and SCB PRIME cardholders: Redeem 1,000 POINTX for 13% cash back (130 baht). Maximum redemption of 50,000 POINTX per person throughout the promotion period across all registered cards under the same name.
• For other CardX and SCB credit cardholders (excluding FAMILY PLUS): Redeem 1,000 POINTX for 10% cash back (100 baht). No limit on POINTX redemption per person during the promotion period

• Register via SMS: Type AP [space] the last 12 digits of your credit card number [space] the number of points to redeem (in multiples of 1,000 and not exceeding the transaction amount per sales slip) and send to 4545454. You will receive a confirmation SMS from CardX/Bank (SMS fees apply).

• Only POINTX points that remain in the credit card account used for the purchase are eligible. Points transferred to the POINTX app are not eligible for this promotion
• Once the redemption is complete, it cannot be canceled, transferred, exchanged, or combined with other promotions.
• If the available POINTX balance on the redemption date is insufficient, CardX and SCB reserve the right to cancel the cash back under this promotion

• Promotion Period: 28 May – 31 December 2025
• Cardholders may convert individual spending transactions into Dee Jung installment payments, with a minimum spending amount of 1,000 baht per transaction or any other amount as may be determined by the Company in the future. The total amount eligible for installment conversion must not exceed the limit set by the Company.
• Monthly installment payments can be made over a 4-month period at 0% interest, provided the transaction is completed by 22:00 on the transaction date. For cardholders using Direct Debit service, the request must be submitted at least one day prior to the transaction’s due date, and no later than 22:00 on that day. The Company reserves the right to amend these conditions in the future, as deemed appropriate.
• Approval for installment conversion is subject to the cardholder’s credit history and any other criteria determined by the Company.
• The following expenditures are excluded from this program: tax payments, cash advances, mutual fund purchases, unit-linked life insurance, other installment plans/Dee Jung monthly payments, interest, penalties, and service fees.
• Spending transactions converted to installment payments are not eligible for POINTX points or cash back (depending on card type). If rewards have already been granted, the Company reserves the right to reverse them.
• The following credit cards are excluded from the program: SCB PRIVATE BANKING, SCB FIRST, and SCB PRIME credit cards.
• The monthly installment amount will be calculated by dividing the total converted spending amount by the number of installment months, as shown on the monthly credit card statement.
• Cardholders agree to pay the full monthly installment amount as stated in their credit card statement. Failure to do so constitutes default, and the total remaining debt will become immediately due.
• If a cardholder wishes to make an early repayment before the installment period ends, they must notify the Company in advance via the CardX Contact Center at 1468 or +662-999-1468 (for international calls). The cardholder will be charged the remaining balance plus any applicable interest and fees. Charges will appear in the next billing cycle. Failure to pay the full amount by the due date will result in default, and the outstanding balance will become immediately due.
• In the event of credit card cancellation for any reason, all outstanding debt will become immediately due, and section 10 shall apply accordingly.
• In case of default, the Company reserves the right to collect the entire outstanding balance plus default interest (currently 16% p.a.), collection charges, and other applicable fees as announced at that time.
• The cardholder agrees that any amount paid will be applied by the Company to outstanding debts at its sole discretion.
•  If the cardholder pays more than the required monthly installment or pays before the due date and wishes to apply the excess to their outstanding balance, they must notify the Company via the CardX Contact Center at 1468 or +662-999-1468. The Company will act in accordance with the cardholder’s request, and the adjustment will be reflected in the next credit card statement. The cardholder must continue to pay subsequent installments in full as specified in the statements.
• The Company reserves the right to grant promotional benefits only to cardholders with active credit card status, good payment history, no prior defaults, and no violations of the Company’s credit card terms and conditions. The Company also reserves the right to revoke such benefits if the cardholder is later found to be ineligible.
• Approval of installment requests under this program is subject to the Company’s policies and assessment criteria.
• The cardholder acknowledges and agrees to be bound by the terms and conditions of credit card use, including the credit card product disclosure table and the credit card usage manual (collectively referred to as the "Terms and Conditions of Credit Card Use"), as currently in effect and as may be amended or supplemented by the Company in the future, provided they do not conflict with these terms and conditions. In the event of any inconsistency, these terms and conditions shall prevail.
• The Company will collect, use, and disclose personal data for the purposes of sales promotion, marketing communications, and other purposes in accordance with its privacy policy. Cardholders can learn more about their data rights and the Company’s data practices at www.cardx.co.th or via other channels specified by the Company.
• For inquiries, please contact the CardX Customer Service Center at 1468.
• Credit card products are provided by Card X Company Limited, a member of the SCBX Group, affiliated with Siam Commercial Bank Public Company Limited.
• Please use this service only when necessary, and repay the full amount as scheduled to avoid interest charges of 16% p.a. 

• Special privileges apply to CardX and SCB credit cards. To participate, cardholders must register via SMS under the specified terms and spend in full in Thai baht using the registered card to purchase tickets from THAI AIRWAYS via the airline's ticket counter or official website between July 1 – September 30, 2025. Eligible cardholders will receive cash back according to the specified details.

• SCB credit cards that have been transferred to CardX Company Limited and that have not yet been reissued with the new card logo are still eligible for this promotion.
• This promotion applies only to ticket purchases made in Thai baht.

• CardX/SCB will deduct points and credit the cash back amount to the successfully registered credit card account within 90 days after the promotion ends. The credited amount will appear in the cardholder’s next billing cycle statement.

• Cash back cannot be transferred, exchanged, or redeemed for cash or any other form of compensation.

• Ineligible spending includes ticket purchases made through travel agencies, tour operator websites, or general airline ticketing platforms that are not the official websites of participating airlines. Also excluded are 0% Dee Jung and Dee Jung monthly installment transactions made via the SCB EASY app, CardX app, SCB Call Center, or CardX Customer Service Center, Dee Jung Transfer transactions, and cancelled transactions.

• To receive the benefit, cardholders must maintain an active CardX or SCB credit card account in good standing, with no history of default or violation of cardholder terms and conditions, up until the time the benefit is granted. CardX/SCB reserves the right to suspend or revoke the benefit if the cardholder is found to be ineligible or in breach of the program’s terms.

• CardX and SCB reserve the right to change or cancel the terms, conditions, eligibility criteria, promotional period, or benefits. Changes will be announced at least 7 days in advance, unless an unforeseen circumstances prior notice. In the event of a dispute, the decision of CardX/SCB shall be final.

• This promotion excludes transactions made for commercial or business purposes and cannot be combined with other promotional offers.
• Additional conditions not specified herein are as determined by the participating airlines. Please review their terms and conditions before making a purchase.

• CardX and SCB are not involved in the production, sale, importation, delivery, or provision of any goods or services offered under this promotion. Therefore, they are not liable for any loss, damage, defects, or inconvenience arising from such products or services. For any issues, please contact the respective airline directly.
• For more information, please contact the CardX Customer Service Center at 1468 for CardX credit cards, or the SCB Call Center at 02-777-7777 for SCB credit cards.
• Credit card products are provided by CardX Company Limited, a member of the SCBX Group, affiliated with Siam Commercial Bank Public Company Limited.
• For cash advance transactions, interest and applicable fees will be charged from the date of withdrawal.