Conditions for K Points​

1. 1.Every 25 Baht spent via KBank Credit Card for purchase of goods and services both at Thailand and abroad is entitled to 1 K Point, except
   1. 1.1 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. 1.2 Transactions 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.
   3. 1.3 Transactions made with all KBank Credit Cards through TrueMoney Wallet, at 7-Eleven stores nationwide, at Makro and Makro PRO stores nationwide, and at merchants in Thailand classified under Merchant Category Code (MCC) 5199 Nondurable Goods (Not Elsewhere Classified).
   4. 1.4 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, Transactions payment in Insurance category made with all types of OneSiam KBank Credit Card.
2. 2.Credit cards not eligible for the K Point program include business credit cards, corporate credit cards, KBank Mastercard Titanium Credit Card, KBank - LINE POINTS Credit Card, KBank Fleet Card and ThaiBev Credit Card.
3. 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. 4.Earn up to X2 points for spending with KBank 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. 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. 6.Criteria for combining points earned from KBank credit cards
   1. 6.1Points earned from KBank Credit Card (generic) of all levels, including THE WISDOM, The Premier, KBank PLUSTINUM Credit Card, KBank Mastercard Platinum Credit Card, KBank JCB Credit Card, KBank UnionPay Credit Card, K-Wave Credit Card, K Home Smiles Club Credit Card, and K-SME Credit Card, can be combined for reward redemption.
   2. 6.2Points earned from the following credit cards are specific to each card and cannot be combined with points earned from other credit cards for reward redemption: KBank THE PASSION Credit Card, Blue Credit Card, KBank - Shopee Credit Card, OneSiam KBank Credit Card, and BDMS - KBank Credit Card.
7. 7.Criteria for point transfer
   1. 7.1Normal credit cards: Points earned from the principal card of KBank Credit Card (generic) of all levels including THE WISDOM, The Premier, KBank PLUSTINUM Credit Card, KBank Mastercard Platinum Credit Card, KBank JCB Credit Card, KBank UnionPay Credit Card, K-Wave Credit Card, K Home Smiles Club Credit Card, and K-SME 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.
   2. 7.2Special credit cards: KBank THE PASSION Credit Card, Blue Credit Card, KBank - Shopee Credit Card, OneSiam KBank Credit Card,BDMS - KBank 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. 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. 9.K Points earned from Blue Credit Card,KBank - Shopee Credit Card are valid for three years from the date of purchase.
10. 10. 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
11. 11.In case of dispute, KBank’s decisions are deemed final.
12. 12.Use when necessary and pay back full amount on time to avoid 16% p.a. interest rate.

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

1. 1.The Bank reserves the right to offer this program exclusively to holders of all types of KBank credit cards whose membership remains valid and who have a good payment history with the Bank. Excluded cards: business credit cards, corporate credit cards, KBank Mastercard Titanium Credit Card, KBank - LINE POINTS Credit Card, KBank Fleet Card, and ThaiBev Credit Card (not eligible to participate).
2. 2.Redemption rates are as follows:
   1. 2.1For 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. 2.2For 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.
3. 3.K Point will be deducted from the cardholder’s point balance based on the amount redeemed.
4. 4.K Point cannot be exchanged for or converted into cash.
5. 5.K Point must be used as cash value on the same day and only at the merchant where the redemption is made.
6. 6.K Point cannot be reversed or refunded under any circumstances.
7. 7.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