American Express WISEPAY & Points for Credit (RIS)
RIS continues to participate in American Express’s 0% WISEPAY installment program and the Points for Credit (cashback) program for eligible cardmembers.
What’s available
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0% WISEPAY installments (3 or 6 months) on eligible charges made at participating merchants (including RIS). Minimum charge THB 5,000; account must be in good standing. Business and Corporate Cards are excluded.
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Points for Credit (PFC) redemption: Convert Membership Rewards points into a statement credit after paying with an eligible Amex Card. 10,000 points = THB 1,500 (Platinum Card) or 10,000 points = THB 1,000 (other eligible cards in MR Plus). Redeem within 30 days after the transaction month. Select co-branded Thai Amex Credit Cards are not eligible.
Who’s eligible
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WISEPAY: Any valid American Express Card issued by American Express (Thai) except Business and Corporate Cards; account must be in good standing.
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PFC: The PFC Privilege is available to the Basic Cardmember who holds the Platinum Card and other American Express Cardmembers who enroll in Membership Rewards Plus program; and the Cards are issued by American Express (Thai) Co., Ltd. (“American Express”), except THAI American Express Platinum Credit Card and American Express Credit Card.
How to use it at RIS
- Pay at RIS with your eligible American Express Card (minimum THB 5,000 to use WISEPAY installments).
- To set up 0% installments: After your charge posts, call American Express Customer Service to request a 0% installment option within 30 days after the transaction month.
- To redeem Points for Credit: After your charge posts, call American Express Customer Service to redeem points for a statement credit within 30 days after the transaction month.
Good to know
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0% interest applies only while your account remains in good standing; if not, standard finance charges may apply.
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Your credit limit is reduced by the total charge at the time the installment is approved and restored as installments are paid.
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You may prepay the remaining installment balance by contacting American Express.
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Merchant terms also apply; disputes about goods/services are handled with the merchant.
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For PFC, total credit value can’t exceed the spending amount during the program period.
Examples
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WISEPAY 3 months: A THB 30,000 charge becomes THB 10,000 per month for 3 months (subject to Amex approval and your account status).
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PFC redemption: A parent with the Platinum Card spends THB 30,000 and redeems 20,000 MR points → THB 3,000 in statement credits (cannot exceed the amount spent).
Program dates & documents
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PFC privilege is valid Jan 1 – Dec 31, 2025 (per Amex).
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Download: American Express WISEPAY & Points for Credit Terms & Conditions (PDF). (Where there is any inconsistency between English and Thai versions, the English version prevails.)
Welcome Offer for New Card Acquisition
Questions?
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For card or redemption questions, contact American Express Customer Service.
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For RIS billing questions or receipts, contact the RIS Finance Office.
