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Spending via ICBC (Thai) credit cards and get special installment rate 0.65% per month for 3, 6 and 10 months (Today - 30 Sep 2025)
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| Terms & Conditions: |
- The qualified transaction converted to installment shall be the spending transaction made through ICBC (Thai) credit cards only.
- The minimum amount for the installment service per each transaction shall be at least THB 1,000/sales slip and accumulated installment amount per each transaction shall be at least THB 3,000. Qualified transactions include any expenses from spending in any domestic and international spending. The excluded transactions are cash advance, interest, penalties, all charges and fees, cash transfer to saving and LTF/RMF or any fund spending.
- Cardholders can choose the period of installment with a special rate of 0.65% per month for 3, 6 and 10 months (calculated by using flat rate) which is equivalent to the effective rate of 3 months installment payment equaling to 11.66% per annum, 6 months installment payment equaling to 13.25% per annum and 10 months installment payment equaling to 13.94% per annum.
- Qualified transactions shall not be those that occur from the temporarily outstanding balance. ICBC (Thai) reserves the right to cancel the transactions if ICBC (Thai) examines thereafter that the spending amount exceeds credit card limit. The program is reserved for the transactions posted and billed in Thai Baht only.
- The installment will be applied for the spending transaction made in the same month.
- The installment will be applied at least one day before the end of statement cycle.
- The status of the eligible cardholder for this program must be normal with good payment history.
- In the case of prepayment, customers shall pay the outstanding balance with a prepayment fee at the rate of 1% of the total remaining amount of the installment. In this respect, when calculating such fees together with interest, penalty fees, other fees and other service fees as specified in item 1 of the announcement in relation to interest rate, penalty fees, other fees and other service fees that financial institutions may demand from conducting credit card business on ICBC (Thai)’s website, such fees must not be over than 16 % per annum.
- In the case of prepayment, customers shall pay the outstanding balance with a prepayment fee at the rate of 1% of the total remaining amount of the installment. In this respect, when calculating such fees together with interest, penalty fees, other fees and other service fees as specified in item 1 of the announcement in relation to interest rate, penalty fees, other fees and other service fees that financial institutions may demand from conducting credit card business on ICBC (Thai)’s website, such fees must not be over than 16 % per annum.
- ICBC (Thai) reserves the right to change any terms and conditions/benefits of the program by informing the cardholders no less than 30 days in advance. In case of any disagreements/disputes, ICBC (Thai)’s decision shall be deemed final.
- For more information in relation to campaign or using ICBC (Thai) credit card, please contact ICBC (Thai) call center at 0 2629 5588 during business hours (Monday-Friday 08:30-21:00 hrs. / Saturday-Sunday and public holidays 8:30-17:00 hrs.).
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