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Promotions

Our Promotions is divided into various groups, each group contains AEON promotions which are very interesting and help you to meet any valuable benefits AEON has prepared for you. Select the topic of promotion below and view all our promotion as you desired.

JAPAN DISCOVERY 2025

ระยะเวลา : 25 กรกฎาคม 2568 – 14 ตุลาคม 2568
บัตรที่ร่วมรายการ : บัตรเครดิตอิออนทุกประเภท (ยกเว้นบัตรเครดิตวีซ่า โอลิมปิก อิออน และบัตรเครดิตเพื่อองค์กร)
สถานที่ :
1.เดอะมอลล์ไลฟ์สโตร์ บางกะปิ บริเวณ M GRAND HALL ชั้น G ระหว่างวันที่ 25 ก.ค. 2568 – 3 ส.ค. 2568 (10 วัน)
2.เดอะมอลล์ไลฟ์สโตร์ งามวงศ์วาน บริเวณ  M EVENT HALL ชั้น G ระหว่างวันที่ 14 ส.ค. 2568 – 20 ส.ค. 2568 (7 วัน)
3.เดอะมอลล์ไลฟ์สโตร์ บางแค บริเวณ M GRAND HALL ชั้น G ระหว่างวันที่ 25 ก.ย. 2568 – 1 ต.ค. 2568 (7 วัน)
4.เดอะมอลล์ โคราช บริเวณ M GRAND HALL ชั้น G ระหว่างวันที่ 7 ต.ค. 2568 – 14 ต.ค. 2568 (8 วัน)

Deal of the month at Lazada

Period : 1 August 2025 – 31 August 2025
Eligible Card : All AEON Credit Cards (Except for AEON Royal Orchid Plus, AEON J-Premier Platinum Card, AEON NextGen Digital Credit Card, AEON PRiMO Digital Credit Card and AEON Corporate Card)
Place : Lazada Application or www.lazada.co.th

อิ่ม ฟิน ครบ กับ Mom Moments ด้วยบัตรเครดิตอิออน ที่ศูนย์การค้าเซ็นทรัลเวิลด์

ระยะเวลา : 1 สิงหาคม 2568 - 31 สิงหาคม 2568 (31 วัน)
บัตรที่ร่วมรายการ : บัตรเครดิตอิออนทุกประเภท (ยกเว้นบัตรเครดิตเพื่อองค์กร)
สถานที่ : ศูนย์การค้าเซ็นทรัลเวิลด์

RAMA9 DINING HUB X AEON อิ่ม อร่อย ครบจบทุกมื้อ กับบัตรเครดิตอิออน

ระยะเวลา : 1 สิงหาคม 2568 - 15 กันยายน 2568
บัตรที่ร่วมรายการ : บัตรเครดิตอิออนทุกประเภท (ยกเว้นบัตรเครดิตเพื่อองค์กร)
สถานที่ : ศูนย์การค้าเซ็นทรัลพระราม 9

NEW CUSTOMERS APPLYING FOR AEON GOLD or CLASSIC CREDIT CARD 2025

ระยะเวลาการสมัคร : 11 สิงหาคม 2568 – 10 พฤศจิกายน 2568
บัตรที่ร่วมรายการ : บัตรเครดิตอิออนโกลด์ (วีซ่า/มาสเตอร์/เจซีบี) ,บัตรเครดิตอิออนคลาสสิค (วีซ่า/มาสเตอร์/เจซีบี)
หมายเหตุ : ยอดใช้จ่ายสะสมผ่านบัตรเครดิตที่ร่วมรายการ ยกเว้นการชำระค่าสินค้า/บริการในหมวดการซื้อหน่วยลงทุน/กองทุนรวม หมวดประกันประเภทประกันชีวิตควบการลงทุน (Unit Linked) หมวดการแลกเปลี่ยนเงินตราต่างประเทศ รายการชำระค่าสาธารณูปโภคทุกช่องทาง รวมถึง ค่าไฟฟ้า น้ำประปา โทรศัพท์พื้นฐาน ค่าภาษีและค่าใช้จ่ายต่าง ๆ ของหน่วยงานราชการ หมวดน้ำมัน รายการเติมเงินเข้ากระเป๋าเงินดิจิทัล รายการการซื้อบัตรกำนัลและบัตรของขวัญ รายการซื้อขายสินทรัพย์ดิจิทัล ดอกเบี้ย ค่าธรรมเนียมการใช้วงเงิน ค่าปรับ ค่าธรรมเนียม ภาษีอากรต่างๆ และรายการที่มีการยกเลิกหรือคืนสินค้า/บริการ

Everyday with AEON

Period : 11 August 2025 – 10 October 2025
Eligible Card : AEON Gold Card and AEON Classic Card

Privileges for AEON-UnionPay Platinum Card

Period : 1 August 2025 – 31 January 2026
Eligible Card : AEON UnionPay Platinum Card
Place : MRT Blue Line and Purple Line

Lazada Mid Month

Period : 15 August 2025 – 17 August 2025
Eligible Card : All AEON Credit Cards (Except for AEON Royal Orchid Plus, AEON J-Premier Platinum Card, AEON NextGen Digital Credit Card, AEON PRiMO Digital Credit Card and AEON Corporate Card)
Place : Lazada Application or www.lazada.co.th 

Mom Moment 2025

ระยะเวลา : 1 สิงหาคม 2568 - 31 สิงหาคม 2568 (31 วัน)
บัตรที่ร่วมรายการ : บัตรเครดิตอิออนทุกประเภท (ยกเว้นบัตรเครดิตเพื่อองค์กร)
สถานที่ : ศูนย์การค้าเซ็นทรัลทุกสาขา  

Sugoi Japan 2025 By AEON JCB

Period : 1 July 2025 – 31 August 2025 (62 Days)
Eligible Card : AEON Gold JCB Card, AEON Classic JCB Card and AEON J-Premier Platinum Card
Place : All Merchants Worldwide

Sugoi Japan 2025 By AEON Credit Cards

Period : 1 July 2025 – 31 August 2025 (62 Days)
Eligible card : AEON Gold Mastercard, AEON Gold Visa, AEON Classic Mastercard and AEON Classic Visa
Place : All Merchants Worldwide

Bank of the day at Shopee

Period : 7-28 August 2025 (7, 14, 21, 28  All Thursday)
Eligible card : All AEON Credit Cards (Except for AEON Royal Orchid Plus, AEON J-Premier Platinum Card, AEON NextGen Digital Credit Card, AEON PRiMO Digital Credit Card and AEON Corporate Card) and for “AEON Happy Pay" only AEON Rabbit member card, Big C Exclusive, Digital YourCash-A and Digital YourCash (“Member Card”)
Place : Shopee Application 

Aquaria Phuket

Campaign Period : 1 June 2025 – 30 November 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card) via AEON THAI MOBILE
Place : Aquaria Phuket

Pattaya Dolphinarium

Campaign Period : 1 June 2025 – 31 October 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card) via AEON THAI MOBILE
Place : Pattaya Dolphinarium

Underwater World Pattaya

Campaign Period : 1 June 2025 – 31 December 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card) via AEON THAI MOBILE
Place : Underwater World Pattaya

Dolphin Bay Phuket

Campaign Period : 1 June 2025 – 31 October 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card) via AEON THAI MOBILE
Place : Dolphin Bay Phuket

365 Days Everyday with AEON

Period : 1 June 2025 – 31 August 2025
Eligible Card : AEON Royal Orchid Plus Card, AEON Wellness Platinum Card, AEON J-Premier Platinum Card, AEON Rabbit Platinum Card, AEON-UnionPay Platinum Card, AEON B-Quik Visa, AEON Gold Card, AEON Classic Card, AEON Club Thailand Card, AEON NextGen Digital Credit Card and AEON Primo Digital Credit Card
Place : Auntie Anne's, After You and Inthanin Coffee participating branches

One free check-in baggage from ZIPAIR

Campaign Period : 9 June 2025 - 31 August 2025
Eligible Card : All AEON Credit Cards (Except ROP ,Corporate Credit Cards and AEON-UnionPay Platinum Card)
Eligible Merchant : ZIPAIR

Shop & Get with AEON Credit Cards

Period : Jun 11, 2025 – Sep 10, 2025 (92 Days)
Eligible Cards : All AEON Credit Cards (Except Big C World Mastercard, Big C Platinum Visa Card, AEON Royal Orchid Plus Platinum Card, AEON Royal Orchid Plus World Mastercard, AEON J-PREMIER Platinum, AEON UnionPay Platinum, AEON Digital Premo, AEON Digital NextGen, AEON Club Thailand and Corporate card)
Place : Big C, Lotus, Gourmet Market, Top Market, and Makro Pro, both in-store and online channels

Max Out Your Shopping

Period : 1 March 2025 – 28 February 2026
Eligible Card : AEON Royal Orchid Plus Card, AEON Wellness Platinum Card, AEON J-Premier Platinum Card, AEON Rabbit Platinum Card, AEON-UnionPay Platinum Card, AEON Gold Card, AEON Classic Card, AEON NextGen Digital Credit Card and AEON Primo Digital Credit Card
Place : Maxvalu Supermarket and Maxvalu Tanjai

Big 5 Family Activities (King Power Mahanakhon Skywalk, Aquaria Phuket, Underwater World Pattaya, Dolphin Bay Phuket and Pattaya Dolphinarium)

Campaign Period : 1 June 2025 – 31 December 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card) via AEON THAI MOBILE
Place : King Power Mahanakhon Skywalk, Aquaria Phuket, Underwater World Pattaya, Dolphin Bay Phuket and  Pattaya Dolphinarium


ช้อปสนุก สุดทุกดีล

ระยะเวลา : 24 เมษายน 2568 – 30 กันยายน 2568 (160 วัน)
บัตรที่ร่วมรายการ : บัตรเครดิตอิออนทุกประเภท (ยกเว้นบัตรเครดิตเพือองค์กร)
สถานที่ : ศูนย์การค้าเอ็มโพเรียม, เอ็มควอเทียร์ และเอ็มสเฟียร์

AEON THEATRE AND AEON LOUNGE AT QUARTIER CINEART

Period : October 1, 2024 – September 30, 2025
Eligible Card : AEON Royal Orchid Plus Cards, AEON Gold Card, AEON Classic Card, AEON J-Premier Platinum Card and AEON Club Thailand Card (as prescribed for each type of card)
Place : AEON Theatre and AEON Lounge at Quartier CineArt (Quartier CineArt, Emquartier 4th floor)

Exclusive Privileges for AEON Wellness Platinum Card

Period : 1 January 2025 – 28 February 2026
Eligible card : AEON Wellness Platinum Card
Place : Participating in Hospitals and Wellness Center

Get MaxValu e-Coupon valued 100 THB when redeeming AEON Happy Point 1,000 Points via AEON THAI MOBILE App

Campaing Apply Period : 1 March 2025 – 28 February 2026
Eligible Card : The reward points earns through spending by all AEON Credit Cards (Except points from AEON Royal Orchid Plus, Big C Credit Card, and AEON Corporate Card) via AEON Mobile App.
Place : MaxValu

Big 5 Family Activities (Vana Nava Water Park Hua Hin, Andamanda Phuket, Ramayana Water Park, Pororo Aquapark, Splash Jungle Water park)

Campaign Period : 1 April 2025 – 31 October 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card) via AEON THAI MOBILE
Place : Vana Nava Water Park Hua Hin, Andamanda Phuket, Ramayana Water Park, Pororo Aquapark, Splash Jungle Water park


Big 5 Family Activities (Andamanda Phuket)

Campaign Period : 1 April 2025 – 31 October 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card) via AEON THAI MOBILE
Place : Andamanda Phuket


Big 5 Family Activities (Ramayana Water Park Pattaya)

Campaign Period : 1 April 2025 – 31 October 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card) via AEON THAI MOBILE
Place : Ramayana Water Park Pattaya


Big 5 Family Activities (Vana Nava Water Park Hua Hin)

Campaign Period : 1 April 2025 – 31 October 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card) via AEON THAI MOBILE
Place : Vana Nava Water Park Hua Hin


Big 5 Family Activities (Andamanda Phuket)

Campaign Period : 1 April 2025 – 31 October 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card) via AEON THAI MOBILE
Place : Splash Jungle Water Park


Cold Stone Creamery

Period : 1 January 2025 – 31 December 2025
Eligible Card : The reward points earns through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card, and Corporate Card) via AEON Mobile App.
Place : Cold Stone Creamery at all stores

Mr. Donut

Period : 1 January 2025 – 31 December 2025
Eligible Card : The reward points earns through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card, and Corporate Card) via AEON Mobile App.
Place : Mr. Donut participating stores

Auntie Anne's

Period : 1 January 2025 – 31 December 2025
Eligible Card : The reward points earns through spending by all AEON Credit Cards (Except points from AEON Royal Orchid Plus, Big C Credit Card, and Corporate Card) via AEON Mobile App.
Place : Auntie Anne's participating stores

9 favorite restaurant

Period : 1 March 2025 – 31 January 2026
Eligible Card : All  AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and AEON Corporate Card)
Place : ARIGATO, Auntie Anne’s, Chabuton Ramen, Cold Stone Creamery, Katsuya, Mr. Donut, Pepper Lunch, Ramen Kagetsu Arashi and Yoshinoya

BIC CAMERA Coupon with Aeon Credit Card

Period : 1 September 2024 - 31 August 2025 (365 days)
Eligible Card : All AEON Credit Cards (Except Corporate card)
Place : All BicCamera stores in Japan, Air BicCamera stores and KOJIMA stores.

BOGEUL BOGRILL

Period : 1 January 2025 – 31 December 2025
Eligible Card : The reward points earns through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card)
Place : BOGEUL BOGRILL

Sukishi

Period : 1 January 2025 – 31 December 2025
Eligible Card : The reward points earns through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card and Corporate Card)
Place : Sukishi Korean Charcoal Grill

Arigato

Period : 1 January 2025 – 31 December 2025
Eligible Card : The reward points earns through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card, and Corporate Card) via AEON Mobile App.
Place : Arigato participating stores

Ramen Kagetsu Arashi

Period : 1 January 2025 – 31 January 2026
Eligible Card : TThe reward points earns through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card, and AEON Corporate Card) via AEON Mobile App.
Place : All branches of Ramen Kagetsu Arashi.

Chabuton Ramen

Period : 1 January 2025 – 31 January 2026
Eligible Card : TThe reward points earns through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card, and AEON Corporate Card) via AEON Mobile App.
Place : All branches of Chabuton Ramen.

Katsuya

Period : 1 January 2025 – 31 December 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card, and Corporate Card) via AEON Mobile App.
Place : All branches of Katsuya Except Hybrid Cloud Kitchen (Tesco Lotus Prachautit, Platform Wongwianyai, Tiwanon Taradkwan, PTT.Phatthanakan (Outboard), Victoria Gardens, Thaiwatsadu Srisaman, Lotus Sutthisarn and Bangchak Ratchaphruek)

AMOR

Period : 1 January 2025 – 31 December 2025
Eligible Card : The reward points earns through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card, and AEON Corporate Card) via AEON Mobile App.
Place : All branches of AMOR

DON

Period : 1 January 2025 – 31 December 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card, and Corporate Card) via AEON Mobile App.
Place : All branches of DON

Sushi Den

Period : 1 January 2025 – 31 December 2025
Eligible Card : The reward points earned  through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card, and Corporate Card) via AEON Mobile App.
Place : All branches of Sushi Den except Terminal 21

Pepper Lunch

Period : 1 January 2025 – 31 January 2026
Eligible Card : TThe reward points earns through spending by all AEON Credit Cards (Except points from  AEON Royal Orchid Plus, Big C Credit Card, and AEON Corporate Card) via AEON Mobile App.
Place : All branches of Pepper Lunch.( Except Central Korat, The Mall Korat, Thammasat University Hospital, Don Mueang Airport and Food Patio Central Bangna)

promotion packages
 
Register to get access. Register
Everyday with AEON

Period : 11 August 2025 – 10 October 2025
Eligible Card : AEON Gold Card and AEON Classic Card


  card  card  card  card  card 

ลูกค้าสัญชาติไทย กรุณาสแกน QR Code เพื่อทำการสมัครบัตรเครดิต
หรือสินเชื่อดิจิทัลผ่านแอปพลิเคชัน AEON THAI MOBILE
ศึกษาขั้นตอนและวิธีการสมัคร : คลิก
For foreigner customers and Japanese customers, please click Here
日本人のお客様はこちらからお申込みください 
ลูกค้าสัญชาติไทย กรุณาสแกน QR Code
เพื่อทำการสมัครบัตรเครดิต
หรือสินเชื่อดิจิทัลผ่าน
แอปพลิเคชัน AEON THAI MOBILE
ศึกษาขั้นตอนและวิธีการสมัคร : คลิก
For foreigner customers and Japanese customers, please click Here
日本人のお客様はこちらからお申込みください 


Eligible Merchant:
• Shopping Category: Includes Big C, 7-Eleven, and CJ More (excluding online channels and payments made via e-wallet)
• Dining Category: Applies only to dine-in and/or takeaway purchases made directly at the restaurant (excluding delivery platforms)
• Travel Category: Includes Agoda, Booking.com, Expedia, Hotels.com, Traveloka, and Trip.com
• Health & Beauty Category: Includes Beautrium, Boots, EVEANDBOY, Sephora, and Watsons (both in-store and online channels)
Excluding Cancelled and refunded transactions

Terms and conditions :

  1. The Company reserves the right to give cash back when spending per sales slip within the specified period in the 1st, 2nd, 3rd or 4th billing cycle of the Campaign as specified tier as indicated below through participating AEON Gold Card and AEON Classic Card. The maximum cash back is limited to 3,200 baht /customer /promotion period.
    Spending period
    1st Billing Cycle:  Aug 11, 2025 – Sep 10, 2025 (31 days)                 
    2nd Billing Cycle: Sep11, 2025 – Oct 10, 2025 (30 days)                       
    3rd Billing Cycle: Oct 11, 2025 – Nov 10, 2025 (31 days)
    4th Billing Cycle: Nov 11, 2025 – Dec 10, 2025 (30 days)
    Spending per Sales slip
     

    Category

    Spending / Sales slip

    Cashback/ Sales slip
    Dining 1,000 Baht / Sales slip 30 Baht
    Travel 5,000 Baht / Sales slip 100 Baht
    Health & Beauty
    1,000 Baht / Sales slip 20 Baht
    Shopping 500 Baht / Sales slip 25 Baht

    (Maximum total cashback 800 Baht and up to 3,200 Baht / billing cycle / ID Card no. / campaign period • Dining Category limit cashback up to 120 Baht / billing cycle and up to 480 Baht / ID Card no. / campaign period. • Travel Category limit cashback up to 500 Baht / billing cycle and up to 2,000 Baht / ID Card no. / campaign period. • Health & Beauty Category limit cashback up to 80 Baht / billing cycle and up to 320 Baht / ID Card no. / campaign period. • Shopping Category limit cashback up to 100 Baht / billing cycle and up to 400 Baht / ID Card no. / campaign period.)

    Remark: • Registering for the campaign participation via AEON THAI MOBILE Application or www.aeon.co.th and receive a confirmation message before making transactions, free of charge • Terms and conditions are as specified by the Company • Please check additional details at www.aeon.co.th and other advertising medias of the Company.

  2. Eligible spending must be made in full payment in Thai Baht within Thailand, either in-store or online, at participating merchants and within the specified categories and campaign period. The conditions for each category are as follows:
    2.1 Dining Category applicable only to dine-in and/or takeaway purchases made directly at the restaurant (excluding delivery platforms). A minimum spending of 1,000 Baht per sales slip is required to qualify. (transactions below the threshold will not be counted).
    2.2 Travel Category applicable to online travel agencies including Agoda, Booking.com, Expedia, Hotels.com, Traveloka, and Trip.com. A minimum spending of THB 5,000 per sales slip is required to qualify. (transactions below the threshold will not be counted).
    2.3 Health & Beauty Category participating merchants include Beautrium, Boots, EVEANDBOY, Sephora, and Watsons (both stores and official websites). A minimum spending of THB 1,000 per sales slip is required to qualify. (transactions below the threshold will not be counted).
    2.4 Shopping Category participating merchants include Big C, 7-Eleven, and CJ More (excluding online channels and payments via e-wallet). A minimum spending of THB 500 per sales slip is required to qualify. (transactions below the threshold will not be counted).
  3. Participation in the Campaign is reserved exclusively for primary cardholders, limited to 1 right per ID card number. In case of multiple credit cards, the recently registered credit card that has successfully received a confirmation message from the Company will be considered. For supplementary cards, the qualifying spending that meets the conditions will be combined with the primary card’s spending.
  4. If the cardholder’s cumulative spending in Billing Cycle 1, 2, 3 or 4 exceeds twice the approved credit limit granted by the Company, the cardholder will not be eligible to receive cashback.
  5. Participation in this campaign is reserved for active cardholders with a payment history in good standing for all loan with the Company under the Company’s criteria throughout the campaign and up until the date the Company considers the eligibility to receive the Cashback.
  6. The Company reserves the right not to reward Cash back to the customer who has enrolled in the COVID-19 plan.
  7. The company will give the cash back into primary card account within 120 days from end date of the campaign, if the cardholder does not receive the cashback or receives it incorrectly, the cardholder must notify the Company within 30 days after this period. Otherwise, Company will be deemed that cardholder has correctly received cash back.
  8. The right to receive a cash back is exclusive for the cardholder and cannot be transferred, changed, or exchanged for cash, or substituted with other items.
  9. The Company reserves the right to withhold or reclaim reward Cashback if the cardholder is deemed ineligible, does not use the credit card for personal consumption, uses their rights dishonestly, fraudulently, or deceitfully to obtain Cashback or benefits, failed to comply fully with the terms and conditions of the promotional campaign, or uses the credit card for illegal or immoral purposes, or for the business purposes of the cardholder, family, relatives, close associates, or any businesses in which the cardholder and such persons have a direct or indirect interest.
  10. The Company reserves the right to amend or cancel any terms and conditions including privileges by giving notice via www.aeon.co.th or other channels designated by the Company. In case of any dispute, the Company’s decision shall be final.
  11. Where these terms and conditions are in Thai and other language versions, if there are any discrepancies and inconsistencies, the Thai version shall prevail for interpretation.
  12. Use when necessary and pay back full amount on time to avoid 16% interest rate per year.