Terms and Conditions

** Only for TMRW credit cards issued in Thailand only. The TMRW credit cardholder must maintain the card membership status and not default on payment until the day bank delivers the privilege.

Promotion period from April 1, 2022 - September 30, 2022.
To participate in this promotion, TMRW credit card holder must register on the website https://a.yllo.in/uob/tmrwget15on15 and select the list of privilege to be completed between April 1, 2022 - September 30, 2022. The calculation of privilege begins on the 1st day of the month that the customer has successfully registered onwards. Customers can choose / change the 15% privilege 1 time / month.

The bank will adhere to the privilege that the customer has chosen in the last completed registration for the current month onwards.

• Example 1: Customer A successfully registered for the 1st time on April 16, 2022 by choosing privilege 2: Get Tops e-Coupon and register for one time. Customer A will receive the privilege 2 according to the conditions in the remaining month.
• Example 2: Customer B has successfully registered for the 1st time on April 14, 2022 by choosing privilege 2: Get Tops e-Coupon and complete registration again on June 5, 2022 by choosing privilege 3: Get Starbucks e- Coupon. Customer B will receive privilege 2 Tops e-Coupon when fulfilling the specified conditions in April 2022 - May 2022 and will receive privilege 3 Starbucks e-Coupon when fulfilling the specified conditions from June 2022 until the end of this marketing promotion.

The bank reserves the right for customers who have completed the registration only. Completed registration means registration with your bank-registered mobile phone number and last 10 digits of TMRW credit card number.

Receive Privilege according to this marketing promotion when spending with TMRW Credit Card accumulated from 6,000 baht or more / month. Customer can choose to receive a privilege worth 15% of the purchase amount of products / services via TMRW credit card in Thailand at After you, TrueCoffee, Au Bon Pain, KOI Thé, Krispy Kreme, Rabbit Line Pay, TrueMoney Wallet, Dolfin Wallet, Grab, MRT Blue Line, Lazada, Shopee, Tops (Tops Market, Tops Super Store, Tops Daily, Central Food Hall and Tops Online), SF Cinema, and Atome. Get 1 privilege from 3 privileges as follows:

• Privilege 1: Get 15% cashback into your TMRW credit card account.
  When the total spending at 15 merchants reaches every 1,000 baht within the same month, Get 150 baht cashback into your TMRW credit card account, limit 300 baht / customer / month.
• Privilege 2: Get 15% Tops e-Coupon
  When the total spending at 15 merchants reaches every 1,000 baht within the same month, Get 150 baht Tops e-Coupon, limit 450 baht / customer / month.
• Privilege 3: Get 15% Starbucks e-Coupon
  When the total spending at 15 merchants reaches every 1,000 baht within the same month, Get 150 baht Starbucks e-Coupon, limit 450 baht / customer / month.

Accumulated spending via TMRW Credit Card from 6,000 baht or more / customer / month within the month will be calculated based on your transaction date and the merchant will charge such spending into the card account within the 5th of the following month. This does not include

1. Items that have been canceled later
2. Product installment for unbilled amount
3. Monthly installment payment (IPP conversion). The bank will calculate the payment in full before making an installment transaction.
4. Cash advance balance
5. All types of interest, fines and fees

Spending for the 15% Privilege will be calculated from the total spending of 15 merchants accrued in each month by adhering to your transaction date and the merchant has charged the transaction to your card account within the 5th of the following month. This does not include

1. Items that have been canceled later
2. All types of installment
3. Foreign currency items
4. Bill payment, all types of utility bills and all types of top-up such as credit card bill payment, water bill, electricity bill, EasyPass phone bill, etc. (BTS fare payment via Rabbit LINE Pay participates in this promotion)
5. Transaction for MRT Blue Line via e-Wallet

The bank will deliver the privilege of 15% by credit money to TMRW credit card account or deliver e-Coupon of participating stores, which will be sent via SMS within 30 days from the end of the every month throughout promotional period. e-Coupon are valid until December 31, 2022

In case of any queries about the calculation of the 15% Privilege, credit cardholders must contact the bank within 45 working days from the date of receiving the 15% privilege to request to verify the correctness of spending transaction.

Credit into credit card account and e-Coupon cannot change / exchange or change for cash and cannot be transferred to other people.

Please check the merchant terms in e-Coupon. The bank and the merchant reserve the right to return the right if the e-Coupon has been used.

For more information, please contact “LIVE CHAT” on TMRW application. Available 24 hrs.

*** From 1 May 2021 – 30 June 2022, you can now earn up to THB300 (usually THB100) cashback per category per month, on your 3 selected categories or Fashion and Cosmetics, Entertainment and Convenience store categories.
The total amount of cashback which may be awarded for your TMRW Credit Card is capped at THB2,000 each calendar month.
TMRW Credit Card spend eligible for cashback excludes cash advance, mutual fund, transfer fee, insurance, interest, fees, IPP conversion and IPP Conversion instalment.

**** Read more for 0% Instalment payments and merchants here https://www.tmrwbyuob.com/th/en/promotions.0-percent-Instalment.html

Other terms & conditions

• Credit Card Guidebook
• Fees & Charges - Credit
• Terms & Conditions governing TMRW Credit Card