This is an international-standard, chip-embedded card that can be used to pay for products and services at stores bearing the UnionPay logo nationwide and worldwide. It can be used to withdraw cash advances through the bank's ATM machines and ATM machines with the UnionPay logo nationwide.

It supports credit card spending throughout China, Hong Kong, and Macau (in China and the Special Administrative Regions, most stores accept UnionPay cards) and it can also be used in 140 other countries worldwide.

Key benefits are similar to those of the Classic, Gold, and Platinum KBank credit cards, with additional benefits as follows:

• Get 2 times reward points for every expenditure in China, Hong Kong, and Macau; for every expenditure of 25 baht, get 2 reward points until December 31, 2018. A maximum 5,000 points per person per accounting period are permitted
• Benefits on foreign exchange rates for CNY and HKD when exchanged via Union Pay credit cards are: Buying rate +0.02 from the normal rate Selling rate -0.02 from the normal rate
• Chinese translation service (traveling assistance): The bank will provide translation service to cardholders by acting as an agent communicating with Chinese cardholders who call for assistance via the K-Contact Center at 02-8888888

There is no application fee and annual fee for the first year. Moreover, annual fees are also waived in ensuing years for cardholders making 12 transactions per year, with the same rate as the Classic, Gold, and Platinum KBank credit card.

Yes. You can apply for a maximum number of five supplementary cards.

The bank will apply the risk factor from currency conversions at the rate of at most 2.5% of the incurred expenses.

You can check at UnionPay​ Web​site; select “Globalization” and then “Exchange Rate”, or at the link: http://en.unionpay.com/front_ExchangeRate.html