Use when necessary and pay back full amount on time to avoid 16% interest rate
Elevate to superior the wisdom status faster with a broader range of eligible products.
Gain access to privileges and services corresponding to your asset tier without waiting for the calculation of your six-month average asset value. Effective from 10 November 2026 onwards.
Eligibility Criteria for THE WISDOM STATUS
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Broader asset aggregation for THE WISDOM STATUS, without requiring a six-month average asset value calculation. Eligible assets include:
- All types of deposits
- All mutual funds invested through KBank, KASIKORN ASSET MANAGEMENT CO., LTD. (KAsset) and KASIKORN SECURITIES PCL (KSecurities), provided you have given consent for data disclosure. If you hold investment assets with KAsset or KSecurities, please give your consent via K PLUS from November 17, 2026 onwards.
- Provident funds managed by KAsset, where KAsset also serves as the fund registrar.
- Other assets as specified by the Bank.
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For insurance products, products under special programs, and promotional
Asset values will be calculated in accordance with the terms and conditions of the respective program.
The Bank reserves the right to upgrade or downgrade your THE WISDOM STATUS and determine applicable privileges based on your total assets held with the Bank, in accordance with the prescribed criteria.
For further details on the asset aggregation criteria and conditions governing THE WISDOM STATUS, please contact your Relationship Manager, or call THE WISDOM Contact Center at 02-8888899
THE FOLLOWING ASSET TYPES ARE INCLUDED IN THE CALCULATION
FOR THE WISDOM STATUS
- All deposit accounts, including foreign currency deposit (FCD) products, calculated based on the aggregate balance of deposits available for withdrawal.
- All mutual funds purchased through KBank, KAsset, and KSecurities* (including only provident funds managed and registered by KAsset). The qualifying value is calculated based on the aggregate outstanding investment units that have not been redeemed, using the latest published Net Asset Value (NAV) as of the asset calculation date. If the NAV for that date is unavailable, the most recently published NAV prior to the calculation date will be used.
- KBank debentures (excluding debentures issued by other companies, even if purchased through the Bank) calculated based on the aggregate outstanding value.
- All life insurance products issued by Muang Thai Life Assurance PCL and all non-life insurance products issued by Muang Thai Insurance PCL, purchased through KBank channels and effective from November 10, 2026 onwards. The qualifying value is based on cumulative premiums actually paid through the policy’s expiry year, provided the policy remains in force and has not been surrendered or cancelled before the end of the coverage period.
For THE WISDOM STATUS qualification, the Bank will determine your qualifying asset level based on whichever is higher: the six-month average value of eligible assets; or your current asset value.
*Investment assets held through KAsset and KSecurities will be included in your asset calculation, subject to your consent for data disclosure.
THE WISDOM STATUS
The status granted to you by the bank based on your asset value, ensuring you receive consistent privileges, experiences, and services across all channels.
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150MB
OR MORE -
50-149.99
MB -
30-49.99
MB -
10-29.99
MB
If total assets fall below 10 million Baht, please maintain assets according to the criteria to continue receiving benefits.
Enjoy an enhanced experience on
K PLUS
Today, verify your THE WISDOM STATUS and access benefits even more conveniently via the Profile menu
ON K PLUS
Terms and Conditions
- You acknowledge and agree that your purchase of any eligible product listed under the qualifying asset categories (“Products”) is entirely voluntary.
- KASIKORNBANK PCL (“the Bank”) reserves the right to grant THE WISDOM STATUS exclusively to individual customers who are the registered owners of eligible products purchased through the Bank’s channels.
- THE WISDOM STATUS is non-transferable and cannot be exchanged or converted into cash or any other benefits under any circumstances.
- Where you qualify for THE WISDOM STATUS through life and/or non-life insurance products, the Bank may aggregate insurance premiums across eligible products within the same premium category. You must be the approved policyholder of insurance policies issued by Muang Thai Life Assurance PCL and/or Muang Thai Insurance PCL during the period specified by the Bank.
- For jointly owned products, the qualifying asset value will be divided equally among all joint owners. For example, if a 10 million Baht fixed deposit account is jointly owned by two account holders (including yourself), 5 million Baht will be included in your asset calculation.
- Only assets registered under the same product owner’s name may be included in the asset calculation. Assets belonging to other individuals cannot be aggregated.
- The Bank reserves the right to verify customer information and to suspend, revoke, withdraw, and/or reclaim THE WISDOM STATUS and any associated privileges, in whole or in part, with immediate effect if it determines that you do not meet the eligibility criteria, have failed to comply with the Bank’s conditions, have exercised privileges dishonestly, fraudulently, unlawfully, or in a manner otherwise contrary to the Bank’s policies, or if THE WISDOM STATUS and/or privileges have been granted in error.
- Should there be any amendment, modification, addition, or cancellation of the terms and conditions governing THE WISDOM STATUS, or any change to the eligible asset categories or related conditions, the Bank will announce such changes in advance at www.kasikornbank.com/thewisdomstatus.
- You must maintain the required asset level continuously and in accordance with the Bank’s criteria in order to retain THE WISDOM STATUS. The Bank reserves the right to upgrade or downgrade your status based on your asset level in accordance with the prescribed criteria.
- The Bank reserves the right to continue accumulating the number of privilege usages. If your THE WISDOM STATUS expires and is reinstated within the same privilege period specified in the applicable THE WISDOM Privilege Book, your privilege usage count will continue from the previous record and will not be reset.
“Investors should thoroughly understand the product features, conditions, returns, and risks before making an investment decision.”
For further details, please call THE WISDOM Contact Center at 02-8888899.
Exclusive privileges for THE WISDOM Kasikornbank customers.
Read detailsFAQ
THE WISDOM STATUS is a status awards by the Bank to customers with total assets of 10 million Baht or more, subject to the Bank’s eligibility criteria. Customers enjoy exclusive experiences and privileges corresponding to their asset tier.
Effective November 10, 2026, the revised eligibility criteria will include a broader range of financial products without requiring a six-month average asset value calculation. Eligible assets include all types of deposits, all mutual funds*, provident funds**, and other assets as specified by the Bank.
*Investment assets held through KASIKORN ASSET MANAGEMENT CO., LTD. (KAsset) and KASIKORN SECURITIES PCL (KSecurities) are included only after you have given consent for data disclosure.
**Applicable only to provident funds managed by KAsset, where KAsset also serves as the fund registrar.
You will receive the exclusive THE WISDOM UP & MORE Personalized Package privileges based on your THE WISDOM STATUS level.
1) 150 million Baht or more
2) 50–149.99 million Baht
3) 30–49.99 million Baht
4) 10–29.99 million Baht
If your total asset balance is less than THB 10 million, please maintain your assets in accordance with the prescribed criteria to ensure the continued receipt of your privileges and benefits.
THE WISDOM STATUS is a status determined by your total assets held with the Bank and may be upgraded or downgraded as your asset level changes. THE WISDOM STATUS serves as a key criterion for eligibility to apply for the KBank THE WISDOM Credit Card and determines the privileges and services available under the Up & MORE PERSONALIZED package.
*THE WISDOM Credit Card upgrades are subject to the Bank’s terms and conditions.
Yes. You may continue using your existing card until its expiry date. If your THE WISDOM STATUS is upgraded, the Bank will invite you to apply for a higher-tier THE WISDOM Credit Card. Once approved, you should activate the new card to replace your existing one.
THE WISDOM STATUS does not have a fixed expiry date. It is automatically upgraded or downgraded based on your total assets held with the Bank. To continue enjoying THE WISDOM privileges, we recommend maintaining the asset level required for your current status tier.
You can check your THE WISDOM STATUS via THE WISDOM STATUS Bar on the Profile page in K PLUS (latest version required) from 10 November 2026 onwards.
The new criteria offer several advantages:
1) Get THE WISDOM STATUS and enjoy its privileges sooner, without waiting for the six-month average asset value calculation.
2) Broader asset coverage, including all types of deposits and mutual funds, as well as life and non-life insurance products purchased through the Bank.
3) Easier and quicker access to privileges and services based on your asset tier.
Eligible assets include:
1) All types of deposits, including foreign currency deposits, calculated based on the total balance of deposits available for withdrawal.
2) All mutual funds purchased through KBank, KAsset, and KSecurities* (including only provident funds managed by KAsset where KAsset also serves as the fund registrar). The qualifying value is calculated based on the remaining investment units that have not been redeemed, using the latest published Net Asset Value (NAV) as of the asset calculation date. If the NAV for that date is unavailable, the most recently published NAV prior to the calculation date will be used.
3) KBank debentures (excluding debentures issued by other companies, even if purchased through the Bank).
4) All life insurance products issued by Muang Thai Life Assurance PCL and all non-life insurance products issued by Muang Thai Insurance PCL, purchased through KBank channels and effective from November 10, 2026 onwards. The qualifying value is based on cumulative premiums actually paid through the policy’s expiry year, provided the policy remains in force and has not been surrendered or terminated before the end of the coverage period.
For THE WISDOM STATUS consideration, the Bank will use whichever is higher between the six-month average value of eligible assets; or your current asset value.
*Investment assets held through KAsset and KSecurities will be included in your asset calculation, subject to your consent for data disclosure.
For joint accounts, the asset value is divided equally among all joint account holders.
Example: A joint deposit of 10 million Baht held by two account holders will be counted as 5 million Baht for each person.
Muang Thai Life Assurance policies purchased and effective before November 10, 2026 will continue to be calculated under the existing THE WISDOM eligibility criteria.
No. Only KBank debentures are included. Debentures issued by other companies are excluded, even if purchased through the Bank.
All mutual funds purchased through KAsset and KSecurities (including provident funds managed by KAsset where KAsset acts as the fund registrar).
These assets will be included only after you have provided consent for data disclosure if you invest through KAsset or KSecurities.
Only provident funds managed and registered by Kasikorn Asset Management Co., Ltd. (KAsset) are included, subject to your consent for information disclosure.
All mutual funds invested through KAsset and KSecurities will be included in your asset aggregation only after you have given consent for data disclosure. Consent can be provided via K PLUS starting November 17, 2026.
Assets belonging to your spouse or any other person cannot be combined for THE WISDOM STATUS calculation. The Bank considers only assets held under the same owner’s name. For joint accounts, the asset value will be divided equally among joint holders. Assets invested through KAsset and KSecurities will be included only after the required data disclosure consent has been provided.