Indulge in a life of great value with increased mobility.

Spend more as you wish with reduced interest rates and usage fees of just 12.99% per year for purchases of goods and services when you choose to pay the minimum monthly spending that helps reduce the interest burden, giving you the freedom to pay your remaining balance comfortably and quickly.

You can withdraw cash up to US$ 1,000* every 30 days from ATMs in Thailand that display an ATM Pool sign or American Express sign with a 3% service fee of the withdrawn amount** (subject to VAT).

*The cash access varies based on our internal criteria.

**Interest will also be charged on daily basis on the balance outstanding from the withdrawal date until the full payment is received. 

Product return guarantee⁴

Product return guarantee is provided for your peace of mind for the products specified in the insurance certificate which are purchased at a price not less than 1,000 baht and paid by the American Express Credit Card for personal use only.

Within 7 days from the date of purchase, if you are not satisfied with the product and the seller refuses to accept the return, you can return the product to the insurance company. The company will pay back within the value equal to the purchase price or up to 10,000 baht per item, with a limit of 32,000 baht per calendar year.

Warranty of product price guarantee⁴

Warranty of product price guarantee covers the products that you buy and pay with the American Express Credit Card. In the event that within 15 days from the date of purchase, there is any adverstisement of the similar product that offers at a lower price than indicated on the printed materials with a specific date, the insurance company will pay you for the difference in prices of the product. The difference in prices must not less than 500 baht with a maximum of 10,000 baht per product and with a limit of 32,000 baht per calendar year.

Product protection plan⁴

Product protection plan covers the speficied products under the plan in case of repairing, replacement or compensation for damaged products at the discretion of the insurance company within 30 days from the date of purchase. This protection plan applies for products purchased for personal use or purchased as a gift and paid with the American Express Credit Card. The maximum coverage is 48,000 baht per product with a limit of 240,000 baht per year.

Purchase Protection Insurance Certificate

You can read and download full details of Purchase Protection Insurance Certificate here.

Return Guarantee Insurance Certificate

You can read and download full details of Return Guarantee Insurance Certificate here.

Details of Interest Rate, Penalty Charge, Fees and Other Service Charges 

You can read and download full details of interest rate, penalty charge, fees and other service charges here.

Best Value Guarantee Insurance Certificate

You can read and download full details of Best Value Guarantee Insurance Certificate here.

Terms and Conditions: American Express Credit Card

You can read and download full Terms and Conditions of American Express Credit Card here.

Example of Interest and Credit Usage Fee Calculation for Minimum Payment or Partial Payment and Cash Advance Usage

You can read and download the example of of interest and credit usage fee calculation for minimum payment or partial payment and cash advance usage calculation here.