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Spending via ICBC (Thai) credit cards and get the special installment interest rate of 0% per month for 3 months, or of 0.59% per month for 6 and 10 months (1 Oct 2025 – 28 Feb 2026)
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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 accumulate all transactions totaling no less than THB 3,000. Qualified transactions include any expenses from spending in any domestic and international spending. The excluded transactions are cash advances, interest charged on card balances, all finance charges and fees, cash transfer to saving, purchase of investment in LTF/SSF/RMF funds, every type of investment funds, Unit Linked Insurance (MCC:6211), every type of gold products and purchase cancellations and returns.
- Cardholders can choose the period of installment, for 3 months with a special flat rate of 0%, or for 6 and 10 months with a special flat rate of 0.59% per month which is equivalent to the effective rate for 3 months installment payment equaling to 0% per annum, for 6 months installment payment equaling to 12.04% per annum and for 10 months installment payment equaling to 12.67% per annum.
- Qualified transactions shall not be those that occur from the temporarily outstanding balance. The Bank reserves the right to cancel the transactions if the Bank 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 can be made at least one day before the end of current statement cycle.
- The status of the eligible cardholder for this program must be normal with good payment history.
- Monthly installment amount is the total amount of expenses and interest rate divided by the number of months to be paid by installment.
- In the case of prepayment, cardholders 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 the Bank’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.
- Use when necessary and pay back full amount on time to avoid 16% interest rate per annum.
- 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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