Conditions for K Points​

1. Every 25 Baht spent via K-Credit Card for purchase of goods and services both at Thailand and abroad is entitled to 1 K Point, except
   1. Transactions made at merchants registered in the countries of the European Economic Area (EEA) and the following specific countries and territories are excluded from earning K Point: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland (including the Islands of Oland), France (including French Guiana, Guadeloupe, Martinique, Réunion, Saint Barthélemy, and Mayotte), Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal (including the Azores and Madeira), Romania, Slovakia, Slovenia, Spain (including the Canary Islands, Ceuta, and Melilla), Sweden, Liechtenstein, and Iceland (including Svalbard and Jan Mayen), the United Kingdom (including Gibraltar), and the People's Republic of China (excluding Special Administrative Regions such as Hong Kong and Macau).
   2. From 1 October 2024 onwards, payment in Thai Baht via KBank VISA / Mastercard and JCB Credit Card at overseas merchants and online merchants registered outside Thailand shall not receive K Point, LINE POINTS and cashback Or for more information, please click
   3. The following expenditures are not eligible for this promotion: cash advance, utility bill payment, electricity bill (MEA/PEA), water bill, telephone bill (TOT/True/TT&T/CAT), tax, all types of fees, payment of unit-linked insurance premium, purchase of all types of funds, purchase of banknotes via credit card, payment of cash advance fee, application fee, annual fee payment, late payment fee, card replacement fee (in case of lost card), penalty fee and interest.
2. Credit cards not eligible for the K Point program include corporate credit cards, business credit cards, MasterCard Titanium Credit Card, LINE POINTS Credit Card, KBank Fleet Card and ThaiBev Credit Cards.
3. Limited to 800 points per merchant category in a billing cycle for payment at service stations nationwide and retail business including hypermarkets/supermarkets under merchant category code (MCC) 0022, 5411, 5541, 5542, 9752, 0002, 5310, 5411, and 9751.
4. Earn up to X2 points for spending with THE PASSION Credit Card in Thailand, up to 200,000 Baht/billing cycle. Spending in excess of 200,000 Baht is entitled to normal points (25 Baht = 1 point).
5. Points earned from each card will be calculated separately. Cut-off time for the amount eligible for the program will be on the statement date of each billing cycle; fractions (decimals) shall be discarded. Points can be redeemed for rewards after they are shown in the credit card statement.
   Note: In case the payment transaction is changed, cancelled or refunded, in any event, and/or the relevant transaction is found to be incompliant with the conditions established by KBank, the cardholder’s points in the KBank system will be deducted based on the amount earned on said transaction.
6. Points earned from credit cards with the same first and last name can be combined for reward redemption. Expenditures via a principal card and its supplementary card(s) cannot be combined. Points earned from K-Credit Card cannot be combined with those from THE PASSION Credit Card, Blue Credit Card, BDMS-KBank Visa Platinum Credit Card, OneSiam- KBank Credit Card,KBank - Shopee Credit Card for reward redemption.
7. Criteria for point transfer
   a.Normal credit cards: Points earned from the principal card of K-Credit Card (generic) of all levels including KBank THE WISDOM Card, KBank THE PREMIER Card, UnionPay Credit Card, KBank JCB Credit Card, K-SME Credit Card, K-Wave Credit Card, and K Home Smiles Club Credit Card can be transferred to its supplementary card or vice versa. Points can be transferred between supplementary cards bearing the same first and last name with prior approval from the holder of the principal card.
   b.Special credit cards: THE PASSION Credit Card, Blue Credit Card, BDMS-KBank Visa Platinum Credit Card, OneSiam- KBank Credit Card,KBank - Shopee Credit Card
   - Points cannot be transferred between different types of credit cards.
   - Points can be transferred from the principal card to the supplementary card, and vice-versa.
   Points can be transferred between supplementary cards bearing the same first and last name with prior approval from the holder of the principal card.
   Exception: Blue Credit Card, for which points cannot be transferred between the principal and supplementary card.
8. K Points under special projects or promotions are subject to expiration; cardholders will be informed of their validity in the terms and conditions of each program.
9. K Points earned from Blue Credit Card,KBank - Shopee Credit Card are valid for three years from the date of purchase.
10. Only holders of valid cards in good standing who have complied with the terms and conditions earlier agreed upon with KBank and have never defaulted on payment are entitled to join this program. Redeemed points shall in no event be reinstated.
11. In case of any amendments to the terms and conditions,, the Bank shall notify such changes via the following website: https://www.kasikornbank.com/th/promotion/credit-card/reward-points/pages/condition.aspx
12. In case of dispute, KBank’s decisions are deemed final.
13. To learn more about complimentary gifts, please contact the following suppliers:
    - Product code: KNP: N Pro Marketing International Co., Ltd tel. 02-376-3355
    - Product code: KPV: Privilege International Co., Ltd tel. 02-932-2621
    - Product code: KGW: GW Revolution Co., Ltd tel. 02-212-5868-9

Terms & Conditions for Redeeming K Point as Cash Equivalent at participating merchants

1. The Bank reserves the right to offer this program exclusively to holders of all types of Kasikornbank credit cards whose membership remains valid and who have a good payment history with the Bank. Excluded cards: corporate credit cards, KBank Mastercard Titanium, LINE POINTS Credit Card, Fleet Card, and ThaiBev credit card (not eligible to participate).
2. Redemption rates are as follows:
   1. For redemption via Electronic Data Capture (EDC) terminals: 1,000 K Point = THB 100 for payment of goods and services. (Points below 1,000 cannot be redeemed as cash value.)
   2. For redemption via K PLUS, K+ Market, or for Cash Rebate: 1,200 K Point = THB 100. (Points below 1,200 cannot be redeemed as cash value.)
   Redemption must follow the rates, terms, conditions, and promotions as prescribed by the Bank on the redemption date and is available only at participating merchants. K Point will be deducted from the cardholder’s point balance based on the amount redeemed.
3. K Point cannot be exchanged for or converted into cash.
4. K Point must be used as cash value on the same day and only at the merchant where the redemption is made.
5. K Point cannot be reversed or refunded under any circumstances.
6. In case of any amendments to the terms and conditions, the Bank shall notify such changes via the following website: https://www.kasikornbank.com/th/promotion/credit-card/reward-points/pages/condition.aspx