Terms & Conditions


Terms & Conditions


• 0% WISE PAY or Extended Payment Plan is an installment program allowing Cardmembers to pay for products or services through monthly installment without any interest charge.
• 0% WISE PAY applied only to those participating items and participating service establishments.
• 0% WISE PAY is available to Cardmembers who hold all American Express Cards issued by American Express (Thai) Co.,Ltd. (“American Express”) excluding American Express Business Card and American Express Corporate Card.
• Cardmembers can choose to enjoy 3, 6, 9 or 10 monthly installments subject to conditions of those participating merchants.
• The minimum purchase or principle shall not be less than Baht 5,000 per transaction.
• American Express reserves the right to authorize the 0% WISE PAY for certain transactions based on our internal assessment policy.
• Merchant and Card terms and conditions apply.
• Should any dispute arise, American Express’ decisions are final.