POINTX Reward Conditions for My Car My Cash Loan Applications with Credit Life or PA Smart Insurance

1. Special offer for customers of Siam Commercial Bank Public Company Limited ("SCB" or the "Bank") Eligible customers who apply for a My Car My Cash loan and purchase either Credit Life Insurance or PA Smart Personal Accident Insurance during the period from August 1, 2026 to September 30, 2026, and whose loan is approved and disbursed during the period from August 1, 2026 to October 31, 2026, will receive POINTX points based on the approved and actual disbursed loan amount, as follows:

   Approved & Actual Disbursed  Loan Amount	POINTX Points
   THB 800,000 or more	20,000 points
   THB 500,000 – 799,999	10,000 points
   THB 250,000 – 499,999	5,000 points

2. Customers who fully meet all campaign requirements will receive POINTX points as a benefit under this promotion. POINTX points are loyalty reward points, not cash, prizes, or assets. They are non-transferable and cannot be exchanged, converted, or redeemed for cash.
3. Eligible POINTX points will be credited to the eligible customer's POINTX account within the timeframe and according to the delivery conditions specified in Clause 7 of these promotional terms and conditions.
4. Customers who do not yet have a POINTX account may register through either of the following channels: 1) Register for the POINTX Application and verify identity via the SCB EASY Application; or 2) Register for POINTX Lite through the POINTX menu in Easy Store on the SCB EASY Application. Customers must complete registration and identity verification in accordance with POINTX's procedures and requirements to be eligible to receive POINTX points.
5. POINTX points awarded under this campaign will be classified as promotional POINTX points and credited to the eligible customer's POINTX account. Such points cannot be transferred or converted into credit card POINTX points. Customers may check their point balance via the My POINTX menu in the POINTX Application.
6. POINTX points received under this promotion are valid for 2 years from the date of issuance and will expire on the last day of the quarter in which the expiration date falls.
   

   Example: If a customer receives points on November 5, 2026, the points will expire on December 31, 2028.

   Point validity cannot be extended under any circumstances.

7. Eligible customers will receive their POINTX points within 90 days from the last day of the month in which the loan was disbursed. The points will be credited on the 5th day of the month following the loan disbursement month, or on the next business day if the 5th does not fall on a business day.

   Customers must have an active POINTX account at the time the points are credited.

   If SCB is unable to deliver the points on the first attempt because the customer does not yet have a POINTX account, two additional attempts will be made in the following months according to the schedule specified by SCB (for a maximum of three attempts in total).

   If, after all three attempts, SCB is still unable to credit the points because the customer has not opened a POINTX account, the customer shall be deemed to have forfeited any right to receive the POINTX points.

   Loan Disbursement Month	POINTX Delivery Schedule
   	1st Delivery Attempt	2nd Delivery Attempt	3rd Delivery Attempt
   August 2026	Nov 5, 2026	Dec 8, 2026	Jan 5, 2027
   September 2026	Dec 8, 2026	Jan 5, 2027	Feb 5, 2027
   October 2026	Jan 5, 2027	Feb 5, 2027	Mar 5, 2027

8. POINTX points received under this promotion cannot be transferred to another person, exchanged, converted, or redeemed for cash or any other form of compensation.
9. If POINTX points cannot be credited to a customer's POINTX account on the scheduled delivery date due to necessary circumstances, the points will be credited within 15 business days from the scheduled delivery date.
10. Redemption of POINTX points and use of the POINTX Application are subject to the terms and conditions governing POINTX redemption services and the POINTX Application as specified in the POINTX Application.
11. POINTX reserves the right to suspend and/or recall POINTX points if it is found that a customer does not fully meet the eligibility requirements of this promotion or fails to comply with the terms and conditions stipulated by SCB and/or POINTX.
12. POINTX is not involved in the manufacture, provision, sale, importation, or delivery of products or services and shall not be liable for any loss, damage, defects, deficiencies, or other issues relating to such products or services.
13. For the purpose of administering this promotion, publicizing or promoting the campaign, and other purposes specified in SCB's Privacy Notice, SCB will collect, use, and disclose customers' personal data. Customers may review details regarding SCB's collection, use, and disclosure of personal data, as well as their rights under applicable data protection laws, at www.scb.co.th.
14. SCB will disclose eligible customers' personal information, including their national ID card number and the number of POINTX points to be awarded, to PointX Company Limited ("PointX") for the purpose of providing POINTX-related services under this promotion. Customers may review PointX's Privacy Notice via the POINTX Application, www.pointx.com, or other channels designated by PointX.
15. For inquiries regarding POINTX points or use of the POINTX Application, please contact: POINTX Customer Service: 1468, press 7, Facebook: PointX Thailand, or LINE Official Account: @pointx
16. Customers should fully understand the insurance coverage, terms, and conditions before deciding to purchase any insurance product.
17. SCB acts solely as an insurance broker introducing or facilitating insurance contracts. Insurance acceptance is subject to the underwriting criteria of FWD Life Insurance Public Company Limited.
18. Insurance coverage is underwritten by FWD Life Insurance Public Company Limited.
19. For inquiries regarding insurance coverage or claims, please contact: FWD Customer Service Center: 1351 (daily, 8:00 a.m. to 8:00 p.m.) or visit www.fwd.co.th
20. Loan approval, approved credit limits, and all other lending criteria and conditions are subject to SCB's policies and discretion.
21. SCB does not require customers to purchase Credit Life Insurance. Purchasing such insurance is entirely optional and does not affect SCB's consideration of a loan application.
22. Customers have the right to purchase motor insurance from other reputable insurance providers, subject to SCB's requirements and conditions.
23. SCB reserves the right to amend these terms and conditions, benefits, campaign details, or to suspend or cancel this promotion as required by regulatory authorities, competent legal authorities, or at SCB's discretion. SCB will provide at least 7 days' prior notice before any changes become effective, except in cases of force majeure or other unavoidable circumstances, in which case notice will be provided as soon as reasonably practicable.
24. In the event of any dispute, SCB's decision shall be final.
25. SCB, FWD Life Insurance Public Company Limited, and PointX Company Limited will collect, use, and disclose customers' personal data for the administration and promotion of this campaign and for other purposes specified in their respective privacy notices. Additional information is available at:
    • www.scb.co.th 
    • www.fwd.co.th
    • www.pointx.com
26. Important Reminder: Borrow responsibly and within your repayment ability.
27. The fixed interest rate for the My Car My Cash Loan ranges from 2.99% to 8.65% per annum. The effective interest rate ranges from 5.47% to 15.00% per annum throughout the loan term. Rates may be changed from time to time, provided they do not exceed the limits announced by SCB.
28. For further information, please contact the SCB Call Center at 02 777 7777.