1. “Explore your Horoscope with KBZPay’s SanZarniBo Astrology Mini App”Campaign takes place from 8th May 2025 to 17th May 2025.

2. KBZPay Level 1.5 ,Level 2 and Youth Account Customers can participate in this Campaign.  If KBZPay Level 1 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to  KBZPay Level  2 successfully. The Customers need to upgrade their KBZPay Application to the 5.1 version and above to participate in this Campaign.

3. The purpose of this program is to allow all Level 1.5, Level 2 and Youth Account users to spin the wheel when purchasing astrology services through San Zarni Bo Mini App, thereby earning cashback rewards and      free in person astrology reading coupon with Sayargyi San Zarni Bo. 

4. During the campaign period, each KBZPay customer can get one chance to spin the wheel per day by purchasing services through the San Zarni Bo Mini App in KBZPay. One KBZPay Account  can also receive one additional free spin during the campaign by sharing the activity of this Campaign on social media.

5. The Coupons  and cashback amount of San Zarni Bo will be randomly offered and are as belows:

● Free In person astrology Reading Coupon with Sayargyi San Zarni Bo

● 3,000 Ks Cashback

● 5,000 Ks Cashback

● 10,000 Ks Cashback

● 100,000 Ks Cashback and

● Thank You.

6. KBZPay users who receive a coupon can click “Ask Now” on the coupon to go to the free fortune telling page and fill in the required information to get the free fortune telling. They can also visit the “My Rewards” section in KBZPay to view their coupons and ask for fortune telling by filling in the required information.

7. KBZPay users can only use the coupons they receive during the campaign period and the coupon will expire after the Campaign ends.

8. During the Campaign period, one KBZPay Account can be entitled to receive onechance only per day by  purchasing astrology services through San Zarni Bo Mini App. KBZPay Customers will be able to get their Cashback directly to their KBZPay wallets of eligible Customers in this Campaign and it can be checked under their KBZPay’s “History”.  KBZPay users who make purchases after exceeding the random limit will not be eligible for Cashback as there are limits for cashbacks that will be given every day.

9. Cashback will be received directly into the KBZPay wallet. However, the cashback  credited timeline may be varied in the event outside the control of KBZ.

10. During this Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. 

11. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account.

12. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.

13. Customers are strictly forbidden to involve in any other form or manner of fraudulent activities during this Campaign. KBZ      has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner of fraudulent activities.

14. In the event of any dispute arising between KBZPay Customers and KBZ      regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ      without any prejudice to the statutory rights of the Customer.

15. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.

16. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.

17. All normal KBZPay Terms and Conditions apply.

18. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.

19. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.

20. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “Shop Your Favorites on KBZPay Mini Apps and Double the Fun with Discount Coupons” Campaign takes place from 2025 March 31st to 2025 April 30th.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5, KBZPay Level 2 and Youth Customer if KBZPay Level 1  Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to KBZPay Level 2 successfully. Moreover, KBZPay application version has to be 5.5.0 and above. 
3. The purpose of this Campaign is for KBZPay Level 1.5, KBZPay Level 2 and Youth Customers to purchase at one of  KBZPay Mini Apps under Mini Apps of KBZPay can get discount coupons and cashback when the tasks are completed as following –

1,000 Ks Welcome Coupon

During the Campaign, KBZPay Customer can get a 1,000 Ks welcome coupon when first entering the mini app by scanning a QR code or click Campaign page link. A KBZPay Customer shall be entitled to only one welcome Coupon during this Campaign. To use this Coupon, a minimum purchase of 5,000 kyats is required and the coupon is valid for one (1) day after receiving the Coupon.

Team Activity

(a) To participate in this Campaign, KBZPay Customers must first invite friends and form a group of (1) or (2) members.

1. One-member team: One Customer can form a team and accomplish the tasks on their own.
2. Two-member team: The specified tasks will be completed by two (2) members and the participating members will receive the prizes.

(b) Once the Customer has been a leader or member of a team, he/she cannot form or join another team. A KBZPay Customer can only join one team within a specified period.

(c) Once a team is formed, the members will complete the specified tasks within (7) days from the date of team formation and will receive the rewards mentioned in paragraph (h).

(d) If the tasks are not completed within (7) days, the team will automatically be canceled and all tasks will be canceled. The Customer will be able to invite friends and, start a new team to re-participate the Campaign.

(e) If the Customer successfully completes the specified tasks within seven (7) days, the Customer will receive the rewards mentioned in paragraph (h), and be able to re-invite the friends and re-form a new team to participate in this Campaign.

(f) One-member team switching to two-members team is allowed at any stage. Starting from the newly formed level with two members, all two members will be able to complete the tasks and receive rewards. Rewards from previously completed levels with one-member Team will not be valid for the newly formed two member team.

(g) If a team is formed with two members, it is not allowed to cancel the member and replace with the new member. The team will automatically be cancelled, and a new team can be formed only after the specified tasks have been successfully completed.

Task and Team Rewards  

(h) After the team is formed, the members will receive the Coupon and Cashback by making a purchase order with an amount of 10,000 Ks and completing the specified tasks within seven (7) days.

• Task Level 1: two orders — 2,500Ks coupon (2 Qty per each team member)
• Task Level 2: four orders— 3,500Ks coupon (2 Qty per each team member)
• Task Level 3: six orders—5,000Ks coupon (2 Qty per each team member)
• Task Level 4: ten orders—20,000Ks cashback and up to 20,000 Ks off Coupon of KFC, Watchbay by Cherry Oo and Padesar Mini App merchants. (each team member)

Coupon Usage

• 2,500Ks coupon need to purchase at minimum purchase amount of 10,000 Ks
• 3,500Ks coupon need to purchase at minimum purchase amount of 12,000 Ks
• 5,000Ks coupon need to purchase at minimum purchase amount of 15,000 Ks
• Coupon expiration date is 3 days after receiving.
• Task Level 4 complete 10 orders, each team member will receive 20,000 Ks Cashback and up to 20,000off Coupon of designated merchant as below
  • 5,000 Ks Off KFC Coupon (need to purchase at minimum purchase amount of 20,000 Ks)
  • 7,500 Ks Off Padesar Coupon (need to purchase at minimum purchase amount of 35,000 Ks)
  • 20,000 Ks Off Watchbay by Cherry Oo Coupon (need to purchase at minimum purchase amount of 300,000 Ks)
  • Coupon expiration date is 14 days after receiving.served system.
• The Coupons and Cashback amount is limited, and it is the first come first.
• Coupons can be redeemed at KBZPay Mini Apps only.

4. Customers will be able to receive their Coupons instantly and it can be checked under Coupons of “My Coupons”. Cashback will be credited directly to KBZPay wallets of eligible Customers and it can be checked under “History”.  KBZPay Customers who perform the specified tasks after exceeding the limit will not be eligible for Coupons and Cashback as there are limits to the number of the Coupons and Cashbacks for every day.

5. Cashback will be credited directly to KBZPay wallets of eligible Customers in this Campaign. However, the Cashbacks credited timeline may be varied in the event outside the control of KBZ.

6. During the Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. According to the terms and conditions, the Customers  can  still redeem the coupon within the remaining  validity periods  even after the Campaign ends.

7. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account articles.

8. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.

9. Customers are strictly forbidden to involve  in any other form or manner of fraudulent activity during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner of fraudulent activity.

10. In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.

1. 11. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.12. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.

13. All normal KBZPay Terms and Conditions and the Terms and Conditions of the Merchants’ shops apply.

14. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.

15. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.

16. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail. 

1. This Campaign “Receive International Transfers & Win Cash Rewards During Myanmar Thingyan New Year” for International Inward Remittance Users of JadePay from Thailand to Win Gold Prizes is valid from 28th March 2025 to 30th April 2025. 
2. The purpose of this Campaign is to give KBZ Bank Customers, who receive international remittance funds via JadePay Customers, a chance to win gold prizes in celebration of Thingyan. 
3. All KBZ Bank Customers who receive a minimum fund of 300,000 MMK directly to KBZPay Wallet account or KBZ Bank account via JadePay network during the Campaign period will automatically be eligible to participate in the Campaign and receive (1) token of Lucky Draw to win the prize. During this Campaign period, those who receive funds of less than 300,000 MMK will not be able to participate in the Campaign.
4. Both the date of transfer and receiving of remittance must transfer and receive within this Campaign period in order to be eligible to win one prize under this Campaign. Any remittance transfer and receiving beyond the Campaign period will not be entitled to receive the benefits of this Campaign. Each Customer will receive one (1) token for each time they receive the remittance of 300,000 MMK or more but each Customer will be eligible for a maximum of ten (10) tokens during the Campaign. 
5. Prizes included in this Campaign are listed below.

Prize	Quantity
Gold 0.5 tical	(1)
Gold 0.25 tical	(4)

6. Total (5) Winners of this Campaign will be selected on a Lucky Draw Raffle basis as per Clause (5) and Winners will be announced via KBZ Bank’s Official Social Media Channels (with blue marks) and KBZ Bank Official Website not later than (5) working days after the Campaign. The date of announcing the Winners may vary due to public holidays or circumstances beyond KBZ Bank’s control.
7. The Winners agree and acknowledge that KBZ Bank may use the Winners’ names and phone numbers (not full digit) in order to announce the Winners of the prize through KBZ Bank’s Official Social Media Channels (with blue marks) and KBZ Bank Official Website. 
8. Winners will also be notified by SMS from KBZ Bank within (2) working days after selecting the winners. The Winner must send a screenshot of the SMS sent by KBZ Bank together with their name, NRC number, and phone number to KBZ Bank and KBZPay Facebook Page Messenger, [email protected] with a blue mark. (This information will not be used by KBZ Bank for any other purposes except to verify the winner. Moreover, KBZ Bank employees will not ask the Winners for charges, an OTP or PIN number, or any information related to the KBZ Bank Account for the prizes.)
9. If the Winners do not contact within (3) days after the announcement of the prize, another SMS will be sent. If you do not contact us within one month after notifying the Winners with another SMS, the prize will be canceled.
10. After the information is complete and confirmed, KBZ Bank will notify the address where the prize can be collected through KBZ Bank Facebook Page Messenger (or) [email protected] (or) Call Center- 09951018555 (or) KBZPay Facebook Page Messenger. The Winners will have to pick up the prize at the pre-approved location by themselves within one month after the Winner’s announcement. If the Winners fail to do so, the prizes will be forfeited. 
11. The Winners will receive the prize after careful inspection upon picking up, and KBZ Bank will not be responsible for any issues or discrepancies with the prize. 
12. Prizes are non-transferable and may not be exchanged for cash or any other substitute unless explicitly stated.
13. KBZ Bank employees will not contact participants in the Campaign to ask for OTP or PIN or KBZ Bank Account information.
14. During this Campaign period, KBZ Bank Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period.
15. KBZ Bank employees are forbidden to be eligible for this Campaign. 
16. Customers are strictly forbidden to cheat in any other form or manner during this Campaign. KBZ Bank has the right to cancel and/or ban any Customer who is suspected to be cheating in any form and/or manner.
17. In the event of any dispute arising between KBZ Bank Customers and KBZ Bank regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ Bank without any prejudice to the statutory rights of the Customer.
18. KBZ Bank, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and/or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice. 
19. Customer Acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these terms and conditions without giving any notice.
20. All normal KBZ Bank Terms and Conditions and International Remittance Terms and Conditions shall apply.
21. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
22. KBZ Bank reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ Bank will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
23. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between two versions, the Myanmar version shall prevail.
24. Any clarifications on this Campaign and more information, please contact KBZ Bank Call Center Phone No. 09951018555 or KBZPay Call Center Phone No.3211. 

1. ” Glow like a Perfect Queen with KBZPay ” Campaign takes place from 24^th March 2025 to 2^nd April 2025.
2. KBZPay Level 1.5 and Level 2 Customers can participate in this Campaign.  If KBZPay Level 1 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to  KBZPay Level  2 successfully.
3. The purpose of this Campaign is for KBZPay Level 1.5 and      Level 2 Customers to get Cashbacks when they make the payment  one million (1,000,000 )kyats and above at The Queen by scanning The Queen’s ER via KBZPay application and enjoy the Cashback . During the Campaign period, the Cashbacks are as follows. 

• Fifty Thousand  (50,000 ) Kyats Cashback
• Thank You

4. It will be eligible only for the Customers who make the payment of at least  one million (1,000,000) Kyats and above successfully in one transaction at The Queen by scanning The Queen’s QR via KBZPay application   during this Campaign period and get a chance of gift box which and enjoy the Cashbacks mentioned in clause 3.
5. During the Campaign period, one KBZPay Account can be entitled to receive one chance only. KBZPay Customers will be able to get their Cashback directly to their KBZPay wallets of eligible Customers in this Campaign and it can be checked under their KBZPay’s “History”.  KBZPay Customers who make purchases after exceeding the cashback      limit will not be eligible for cashback as there are limits for cashbacks that will be given every day for eligible payments.
6. Cashback will be received directly into the KBZPay wallet. However, the cashback  credited timeline may be varied in the event outside the control of KBZ
7. During this Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. 
8. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account.
9. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
10. Customers are strictly forbidden to involve in any other form or manner of fraudulent activities during this Campaign. KBZ        has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner of fraudulent activities.
11. In the event of any dispute arising between KBZPay Customers and KBZ      regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ  without any prejudice to the statutory rights of the Customer.
12. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
13. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
14. All normal KBZPay Terms and Conditions and the Terms and Conditions of The Queen apply.
15. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
16. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
17. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. This “Receive International Transfers & Win Cash Rewards During Myanmar Thingyan New Year” Campaign is valid from 24th March 2025 to 30th April 2025. (The transfer and receiving dates must be within this Campaign period to be valid in this Campaign.)

2. The purpose of this Campaign is to give KBZ Customers who receive international remittance funds via Merchantrade the chance to win Cashback prizes. 

3. During this Campaign, all KBZ Customers who receive international transfers from Malaysia via Merchantrade through KBZ Bank or KBZPay Wallet Account  will automatically be eligible to participate in the prizes of the Campaign mentioned in Clause (5). During this Campaign, winners shall be selected every fourteen (14) days from the Campaign launch date, with fifty (50) winners per selection round.In the event of public holidays or unforeseen circumstances beyond KBZ Bank’s control, KBZ Bank reserves the right to modify the winner announcement date as necessary.

4. During the Campaign period, KBZ customers who receive international transfers through Merchantrade will receive (1) token of Lucky Draw to win the prize for each 14-day period. Each Customer will be eligible for one (1) token for each 14-day period, regardless of the number of transactions. 

5. Prizes included for each 14-day period in this Campaign are listed below.

Prize	Quantity	Lucky Draw Schedule
Cash Back 25,000 MMK	28	Random pick after every (14) days of the Campaign period1st Time – 9th April 20252nd Time – 23rd April 20253rd Time – 2nd May 2025
Cash Back 50,000 MMK	10
Cash Back 100,000 MMK	5
Cash Back 200,000 MMK	4
Cash Back 300,000 MMK	3
Total	50

6. For every (14) days of the Campaign period, total (50) winners for KBZ customers who receive funds through Merchantrade will be selected on Random Picker as per Clause (5) and winners will be announced via KBZ Bank’s Official Social Media Channels (with blue marks). Winners will be notified via SMS within (2) working days after selecting the winners. The winners agree and acknowledge that KBZ Bank may use the Winners’ names and phone numbers (not full digits) in order to announce the winners of the prize through social media and website. The program of (50) winners selected once every (14) days will be held a total of three (3) times during the Campaign and the total winners will be 150.

7. Cashback will be credited into the Winners’ KBZ Bank account or KBZPay Wallet account within one (2) working day after the winner announcement. However, the Cashback credited timeline may be varied in the event outside the control of KBZ.

8. KBZ employees will not contact participants in the Campaign to ask for OTP or PIN or KBZ Bank Account information.

9. During this Campaign period, KBZ Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period.

10. KBZ employees are not eligible for this Campaign. 

11. Customers are strictly forbidden to involve in any other form or manner of any fraudulent activities during this Campaign. KBZ Bank has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner of any fraudulent activities.

12. In the event of any dispute arising between KBZ Bank Customers and KBZ Bank regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ Bank without any prejudice to the statutory rights of the Customer.

13. KBZ Bank, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and/or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice. 

14. Customer acknowledges and agrees that there is no right to receive any compensation as a result of amendment, cancellation or termination of this Campaign for some reasons and/or variation to these terms and conditions without giving any notice.

15. All normal KBZ Bank Terms and Conditions and International Remittance Terms and Conditions shall apply.

16. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.

17. KBZ Bank reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ Bank will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.

18. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between two versions, the Myanmar version shall prevail.19. Any clarifications on this Campaign and more information, please contact KBZ Bank Call Center Phone No. 09951018555.

1. “A Chance to win 1 Million Ks “Up to 10 Grand Prizes”  Campaign period takes place from 17th March 2025 to 26th March 2025.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5 ,KBZPay Level 2 and Youth Account  if KBZPay Level 1  Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to KBZPay Level 2 successfully. Moreover, KBZPay application version has to be 5.5.0 and above. 
3. The purpose of this Campaign is for KBZPay Level 2 Customers to fueling at the selected petrol station and pay one hundred thousand (100,000) kyats and above via KBZPay and above during  the Campaign period and can get a chance to spin the wheel and win the Cashback: 1,000,000 kyats, 1,000kyats, 500kyats and Coupon :100,000 kyats, 50,000 kyats and 10,000 kyats.
4. The minimum purchase amount is one hundred thousand (100,000) kyats per transaction and the Customer will get a lucky draw chance  by making payment of the minimum purchase via KBZPay successfully. One Customer can get two chances during the whole campaign to win the Cashback and Coupon. There are  limited Cashback and Coupon units available per day. If the limited Cashback and Coupon amount has reached, the Customer will not be able to receive a Cashback and a Coupon.
5. Customers can enjoy a spin wheel chance when they make a payment of one hundred thousand and above via KBZPay successfully at the selected Petrol Station listed in the table below.

No	Petrol Station List
1	DENKO TRADING COMPANY LIMITED
2	Golden Dragon Myanmar Trading Co.Ltd
3	Best Oil Company Limited
4	New Day Energy Company Limited
5	Myat Myittar Mon Co.Ltd
6	Myint Myat Htut Khaung Interntional Co.ltd
7	Zawtika Trading Company Limited
8	NILAR YOMA PETROL
9	PUMA POWER INTERNATIONAL COMPANY LIMITED
10	Kyaw San Company Limited
11	Nilar Yoma Trading Co.Ltd
12	Winner Petrol Co.ltd
13	Myanmar Distribution Group Co.Ltd
14	Brother Petrol Station

6. Cashback will be credited directly to KBZPay wallets of eligible Customers in this Campaign. The Cashbacks credited timeline may be varied in the event outside the control of KBZ.
7. Campaign is not available for the other payments aside from payment at the selected petrol station. 
8. The Coupon received from this Campaign can be redeemed according to the below conditions.

No	Coupon (Amount)	Conditions of Use
1	10,000 MMK	Above or equal to 50,000 MMK
2	50,000 MMK	Above or equal to 100,000 MMK
3	100,000 MMK	Above or equal to 200,000 MMK

 The Customers can access the coupon by navigating to “Coupons” in KBZPay. Each coupon is valid for 7 days starting from the date of receipt. The coupon can be used again if you pay via KBZPay at selected petrol stations before its expiration date. According to the terms and conditions, the Customers  can  still redeem the coupon within the remaining  validity periods  even after the Campaign ends.

9. During this Campaign period, KBZPay Customers who use KBZPay Application 5.5.0 and above version will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. Notwithstanding the Clauses herein, Customers can enjoy the Coupons as stated in Clause (8) if the Customers received the Coupons on the last day of the Campaign.
10. Due to the Amount Limitation, the Youth Account cannot get the 1 Million Kyats Cashback instantly. Cashback 1 million kyats will be credited to the wallet of youth account users within one month after they win the cashback.
11. KBZPay Customerswho make payments at petrol outlets using Other Bank’s MMQR are not eligible to participate in this campaign.
12. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account articles.
13. KBZ employees will never ask the participants in the Campaign for OTP, PIN, or KBZPay Account information.
14. Customers are strictly forbidden to involve in any fraudulent activity in any other form or manner during this Campaign. KBZ has the right to cancel and/or ban any Customer who is suspected to be involved in any fraudulent activity in any form and/or manner.
15. In the event of any dispute arising between KBZPay Customers and KBZ regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ without any prejudice to the statutory rights of the Customer.
16. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
17. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice at any time. 
18. All normal KBZPay Terms and Conditions and selected petrol stations  terms and conditions  shall  apply.
19. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
20. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
21. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “Win Up to 1 Million MMK Cashback While Travelling” Campaign  takes place from 10th March 2025 to 29th March 2025.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5 and KBZPay Level 2 and if KBZPay Level 1  Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to KBZPay Level 2 successfully. Moreover, KBZPay application version has to be 5.5.0 and above. 
3. The purpose of this Campaign is for KBZPay Level 1.5 and KBZPay Level 2 Customers to purchase at one of  KBZPay Mini Apps under Travel Mini Apps of KBZPay can get a chance to spin the wheel and win the Cashback: 1,000,000 kyats, 100,000kyats,1,000kyats, 1,000 Ks Coupon,10,000 Ks Coupon,,100,000 Ks coupon and Thank You.
4. During the Campaign period, there are two different Travel Mini Apps Categories:those offering discount Travel Mini Apps and those selling regular Travel Mini App.The Customer who purchased at discount Travel Mini Apps shall be entitled to the respective Travel Mini App’s discounts and two (2) chance  to spin the wheel,while Customers purchasing at regular Travel Mini Apps shall be entitled to one (1) chance to spin the wheel.
5. There is no minimum purchase amount limitation to get a chance to spin the wheel.But Customers can get up to 6 chances(up to 4 chances for buying at Mini Apps Merchants with discount and up to 2 chances for buying at Regular-priced Mini Apps) to spin the wheel during Campaign period.
6. Customers can enjoy additional special discounts when they make purchases from the Mini Apps listed in the table below.

No	Mini Apps List	Special Discount
1	Oway	50% discount per ticket (up to 20000ks)
2	Flymya	50% discount per ticket (up to 20000ks)
3	Elite	1,500 Ks Cashback for all route tickets (130 discount tickets per day)
4	Prince Hotel	Up to 40% off
5	Nug War	1,000 Ks off for every ticket
6	Hotel Yangon	10% off

7. Cashback will be credited directly to KBZPay wallets of eligible Customers in this Campaign. The Cashbacks credited timeline may be varied in the event outside the control of KBZ.
8. The Coupon received from this Campaign can be redeemed according to the below conditions.

No	Coupon (Amount)	Conditions of Use
1	1,000 MMK	Above or equal to 8,000 MMK
2	10,000 MMKI	Above or equal to 100,000 MMK
3	100,000 MMK	Above or equal to 1,000,000 MMK

 The Customers can access the coupon by navigating to “Coupons” in KBZPay. Each coupon is valid for 7 days starting from the date of receipt. According to the terms and conditions, the Customers  can  still redeem the coupon within the remaining  validity periods  even after the Campaign ends.

9. During this Campaign period, KBZPay Customers who use KBZPay Application 5.5.0 and above version will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. Notwithstanding the Clauses herein, Customers can enjoy the Coupons as stated in Clause (8) if the Customers received the Coupons on the last day of the Campaign.
10. Campaign is not available for the other payments aside from payment at Travel Mini Apps of KBZPay. 
11. If there arise any issues between the Customer and Mini Apps Merchants  such as date change and cancellation and/or refunds, such issues will be dealt with and contacted to the Mini Apps Merchants by the Customer . Customers must adhere to the decisions based on the terms and conditions of Mini Apps Merchant..
12. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account articles.
13. KBZ employees will never ask the participants in the Campaign for OTP, PIN, or KBZPay Account information.
14. Customers are strictly forbidden to involve in any fraudulent activity in any other form or manner during this Campaign. KBZ has the right to cancel and/or ban any Customer who is suspected to be involved in any fraudulent activity in any form and/or manner.
15. In the event of any dispute arising between KBZPay Customers and KBZ regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ without any prejudice to the statutory rights of the Customer.
16. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
17. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice. 
18. All normal KBZPay Terms and Conditions and relevant Mini App Merchants  terms and conditions  shall  apply.
19. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
20. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
21. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. ” Pay with KBZPay at Pizza Maru and save 10,000 Ks ” Campaign takes place   from 10th March 2025 to 16th March  2025 (7 days).
2. KBZPay Level 1.5, Level  2 and Youth Account Customers can participate in this Campaign. If Level 1 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to  KBZPay Level 2 successfully. 
3. To participate in this campaign, users must have KBZPay App version 5.2.5 or above . If users with an older version of the KBZPay App want to participate in the campaign, they will need to  update the latest available version to be eligible.
4. The purpose of this Campaign is for KBZPay Level 1.5, Level 2 Customers and Youth Account Customers to get instant cash discount by making purchases at least 60,000 Kyats and above successfully at selected Pizza Maru shops and Pay with KBZPay by scanning Pizza Maru shop’s KBZPay QR during this Campaign period.
5. It will be eligible for the payment of at least 60,000 Kyats and above successfully for making  payments by scanning the KBZPay QR Code of the Pizza Maru shops selected for this Campaign    and the customer will receive a 10,000 Kyats discount instantly. And then such a 10,000 Kyats discount is deducted from the amount to be paid and the remaining balance shall be paid by the Customer.
6. During the Campaign period, one KBZPay Account can be entitled to receive one chance.There are limited (400) cash discount quotas.KBZPay users who make purchases after exceeding the limit will not be eligible for cash deduction as there are limits about the number of the times for cash deduction will be given per day.
7. During this Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. 
8. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account       .
9. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
10. Customers are strictly forbidden to involve in any other form or manner of fraudulent activities during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner  of fraudulent activities.
11. In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.
12. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
13. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
14. All normal KBZPay Terms and Conditions and the Terms and Conditions of the Pizza Maru   shops apply.These 
15. Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
16. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
17. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “Pay Your Monthly Internet Bill with KBZPay QuickPay” Campaign takes place from 1^st March 2025 to 10^th March 2025.
2. KBZPay Level 1.5, Level 2 and Youth Account Customers can participate in this Campaign.  If KBZPay Level 1 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to  KBZPay Level  2 successfully.
3. The purpose of this Campaign is for KBZPay Level 1.5,Level 2 and Youth Account Customers to get Cashbacks when they make the payment  forty thousand (40,000)kyats and above successfully through QuickPay of Internet Service Provider Categories in KBZPay and complete the payment successfully to enjoy the special reward up to Fifty Thousand  (50,000) Kyats. During the Campaign period, the Cashbacks are as follows.

• Fifty Thousand  (50,000 ) Kyats Cashback
• Thank You

4. It will be eligible only for the Customers who make the payment of at least Forty Thousand  (40,000) Kyats and above for the payment amount via QuickPay of Internet Service Provider Categories in KBZPay and they will have a chance to open the gift box and enjoy the special reward           mentioned in Clause 3 during this Campaign period.     
5. During the Campaign period, one KBZPay Account can be entitled to receive one chance only. KBZPay Customers will be able to get their Cashback directly to their KBZPay wallets of eligible Customers in this Campaign and it can be checked under their KBZPay’s “History”.  KBZPay Customers      who make purchases after exceeding the cashback      limit will not be eligible for cashback as there are limits for cashbacks that will be given every day for eligible payments.
6. Cashback will be received directly into the KBZPay wallet. However, the cashback  credited timeline may be varied in the event outside the control of KBZ
7. During this Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. 
8. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account.
9. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
10. Customers are strictly forbidden to involve in any other form or manner of fraudulent activities during this Campaign. KBZ        has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner of fraudulent activities.
11. In the event of any dispute arising between KBZPay Customers and KBZ      regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ  without any prejudice to the statutory rights of the Customer.
12. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
13. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
14. All normal KBZPay Terms and Conditions apply.
15. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
16. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
17. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “Kyo Phyae” Lucky Draw Campaign will be held from 1st  March 2025 to 31st March 2025.
2. KBZ Level 2 Users  who are eligible for “Kyo Phyae” to top up via KBZPay will be able to participate in the Campaign.
3. KBZ Level 2 Users who are eligible for Kyo Phyae and have obtained two thousand (2,000) MMK and above “Kyo Phyae” to top up via KBZPay will automatically be eligible to participate in the Campaign and will get one chance.
4. The following Cashback prizes will be included in the Campaign:

• Three Thousand (3,000) MMK     – (240) prizes
• Five Thousand (5,000) MMK   – (120) prizes
• Ten Thousand (10,000) MMK   – (60) prizes
• One Hundred Thousand (100,000) MMK   – (1) prize (Grand Prize)

5. The winners will be announced after the end of the Campaign. The Winners must acknowledge and agree that KBZ may use the winner’s name and mobile phone number (not the full phone number) to announce via KBZ’s official website ‌and KBZ’s official Social Media Channels (with blue marks). Winner Announcement date and credited timeline may be varied in the event outside the control of KBZ or gazetted holidays.
6. During this Campaign period, there is no limit to the number of lucky draws per KBZPay account. However, each KBZPay account is eligible to receive only one cashback prize.
7. The Cashback will be credited directly to the winner’s KBZPay wallet within (7) business days after the prize is announced. The Cashback credited timeline may be varied in the event outside the control of KBZ  although it is specified that the Cashback credited timeline is within 7 business days after the announcement.
8. KBZ Bank Employees will never ask the participants in the Campaign to ask for personal information, OTP, PIN, or KBZPay Account information.
9. Winners are not allowed to exchange, transfer, or exchange their prize as cash. 
10. By participating in the Campaign, participants agree to abide by these Terms & Conditions.
11. During this Campaign period, KBZPay Users  will be entitled to enjoy the benefits stated in these terms and conditions, which will expire at the end of this Campaign period. 
12. KBZ Bank Employees are strictly forbidden to cheat in any other form or manner during this Campaign. KBZPay has the right to cancel and/or ban any Employees who are suspected to be cheating in any form and/or manner.
13. Users can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account articles.
14. In the event of any dispute arising between Users and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ without any prejudice to the statutory rights of the  Users.
15. Users acknowledge and agree that there is no right to receive any compensation as a result of the cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
16. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons, at any time, without giving any notice. 
17. All normal KBZPay Terms and Conditions shall also apply.
18. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
19. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves.KBZ will not be liable to the User or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances.
20. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.