1. “Bringing You Good Luck Gifts from KBZPay’s 7th Anniversary” Campaign takes place from 14th October 2025 to 20th October 2025.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5 or KBZPay Level 2 and Youth Account Customers.  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 receive the reward chances by doing the given tests such as entering the Campaign Page, opening gift boxes and sharing with the friends . 
4. KBZPay Customers who wish to participate in this campaign must enter the Campaign Page in the KBZPay during the period and complete the following tests.

The tests are as below:

1) Entering the Campaign Page

Enter the “Bringing You Good Luck Gifts from KBZPay’s 7th Anniversary” Campaign Page to receive one chance to win a reward.

2) Sharing with the friends

Click “Share” on the Campaign Page and share it with the friends to receive one chance to win a reward.

The Customer will get one chance each once they complete the above two tests. Thus, one KBZPay Account will receive up to two chances for the whole campaign period. 

5. KBZPay customers can receive cashbacks and coupon rewards by doing the given test. 

The rewards are 

1. 777,777 Ks Cashback (Grand Prize)
2. 77,777 Ks Cashback
3. 7,777 Ks Cashback
4. 777 Ks Cashback
5. 700 Ks Top Up Coupon
6. 70 Ks Short Dramas Coupon
7. 7,000 Ks KBZPay Market Coupon
8. 700 Ks Bill Payment Coupon
9. 700 Ks Gift Card Coupon and
10. Thank you.

Coupon Code Usage

• 700 Ks Top Up Coupon (Minimum purchase amount 701 Ks)
• 70 Ks Short Dramas Coupon (Minimum purchase amount 71 Ks)
• 7,000 Ks KBZPay Market Coupon (Minimum purchase amount 7,001 Ks)
• 700 Ks Bill Payment Coupon (Minimum purchase amount 701 Ks)
• 700 Ks Gift Card Coupon (Minimum purchase amount 701 Ks)

6. Coupon Code Validation

• Top Up Coupon, Short Dramas Coupon, KBZPay Market Coupon, and Gift Coupon will be validated for 7 days from the receipt date.
• Bill Payment Coupon will be validated for 14 days from the receipt date.

7. Customers will be entitled to receive their Cashback instantly and directly to their KBZPay wallets of eligible Customers in this Campaign and it can be checked under their KBZPay’s “History” and coupons can be checked under Coupons of “My Coupons”. As there is a daily limit on the number of Cashbacks and Coupons set by the KBZPay, KBZPay Customers who make activities exceeding such limit will not be eligible to receive Cashbacks or Coupons.

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

9. 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. Notwithstanding the Clauses herein, Customers can enjoy the Coupons as stated in Clause (6) if the Customers received the Coupons on the last day of the Campaign.

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

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

12. Customers are strictly forbidden to involve in any other form or manner of fraudulent activity 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 activity.

13. 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.

14. 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.

15. 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.

16. All normal KBZPay Terms and Conditions apply.

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

18. 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.

19. 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. “10.10 Shopping Spree” Campaign will be started from 1st October 2025 till 10th October 2025.
2. KBZPay Level 2 and Youth Account Customers can participate in this Campaign. If Level 1 or Level 1.5 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 5.8.3 version and above.
3. The purpose of this Campaign is to provide special discounts and enjoy delivery fees discount for KBZPay Level 2 and Youth Account Customers using KBZPay Application version 5.8.3 and above who purchase from Merchant via KBZPay Market and making payment with KBZPay successfully.
4. “10.10 Shopping Spree” Campaign offers special programs such as delivery discounts, “Hottest Deals in Town”, “Mega Price Drop” and “Crazy Offers” program during the Campaign period. For a discounted delivery plan, first 200 orders of 35,000 Ks & above minimum purchase value on 5th,6th,7th & 8th October 2025 will get a delivery discount cost One Thousand Five Hundred (1500) kyats for purchases of Thirty Five Thousand (35,000) kyats.
5. In the KBZPay Market’s “10.10 Shopping Spree Campaign, “Hottest Deals in Town” program will be held two (2) times during this Campaign period. The first time “Hottest Deals in Town” program will be held on 1st October 2025 and the second time  will be held on 10th October 2025. For the first “Hottest Deals in Town” program that starts on 01st October 2025, Customers can start purchasing only on 01st October 2025 at 8:00PM. For another  “Hottest Deals in Town” Activity on 10th  October 2025, Customers can start purchasing only on 10th October 2025 at 8:00PM. As these are direct discounts, they will be converted from the original price of selected items into discounts as soon as 8:00PM.
6. The Mega Price Drop discount program will be held for (10) days from 01st October 2025 to 10th October 2025, and will be available for purchase of selected items at direct discounts.

7. The Crazy Offers program will be held for two (2) days on 03th October, 2025 and 4th October, 2025, and will be available for purchase of selected items at direct discounts.
8. During the “10.10 Shopping Spree” Campaign period, Customers shall purchase the items at the direct discounts during the “Hottest Deals in Town”, “Mega Price Drop” and “Crazy Offers” program and there is no need to use a coupon code to purchase.

9. Customers can purchase the products from the Merchants via KBZPay Market from KBZPay App mini icon, KBZPay Home page banner, KBZPay Facebook, Viber, and KBZPay Market Official Account (5.8.3 version and above) for the “10.10 Shopping Spree”. 
10. The products included in the Campaign may be limited in quantity and Customers need to purchase immediately. KBZPay will not be considered as successfully purchasing a Customer’s order without sending an order confirmation from KBZPay to the Customer and these orders can be canceled by the Merchant at any time. KBZPay will not be responsible for the delivery of these orders to the Customer.
11. KBZPay Market is the marketplace where merchants can manage their own stores. The cancellation  from the Merchants’ side will not take any responsibility from KBZPay. However, KBZPay Market will take action against the Merchant who cancels without reasonable or credible reason and other bad behavior based on the rules and regulations set by the KBZPay Market.
12. The Customer acknowledges and agrees that KBZ shall not be liable to the Customer or any third party for any discontinuation or inability to access the Services provided to the Customers under this Campaign.
13. KBZPay and Merchants will endeavor to deliver the products within the specified delivery timeline for the purchased products of Customers who purchased from the specified townships, however, KBZPay and Merchants will not be liable if Merchants cannot deliver the products to the Customers due to force majeure events beyond the control of the KBZPay and Merchants.
14. KBZPay and Merchants shall have the right to return the products that cannot be delivered on time to the Customer due to force majeure events beyond the control of KBZPay and Merchants at any reasonable time or to refund the Customers for such products, at the discretion of KBZPay and Merchants.
15. If there is a problem related to cancellation, return, fraud case, and unqualified products, the Customer must submit to the Merchant through KBZPay Market within (48) hours after receiving the products. The Merchant shall be responsible for the exchange or refund of the products which need to be exchanged. If there is a dispute about the products between the Merchants and Customers, the KBZPay Market decision will be final.
16. During this Campaign period, KBZPay Application 5.8.3 and above version Customers will be entitled to enjoy benefits stated in these Terms and Conditions until the termination or at the end of this Campaign, and all benefits stated in these Terms and Conditions will be expired at the termination or the end of this Campaign.
17. KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or Account information of Customers participating in this Campaign.
18. KBZPay 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 cheating in any form and/or manner.
19. 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.
20. 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.
21. The 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.
22. All normal KBZPay Terms and Conditions apply.
23. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
24. 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.
25. 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.     The “Win Prizes with International Remittance on KBZPay Campaign” for Customers who receive international remittances into their KBZPay Wallet through money transfer services such as RIA, Merchantrade, Western Union, will be held from 29 September 2025 to 31 October 2025.

2.     The purpose of this Campaign is to win Lucky Draw Chances for Customers who receive international remittances of MMK 500,000 and above into their KBZPay Wallet through the above-mentioned money transfer services. During the Campaign Period, each Customer shall be entitled up to a maximum of five (5) Lucky Draw Chances.

3.     KBZPay 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.

4.     During the Campaign Period, Customers can check their Lucky Draw Chances on the Campaign Page within the KBZPay Wallet.

5.     Any Lucky Draw Chances earned during the Campaign Period will automatically expire once the Campaign ends.

6.     Customers who win prizes during the Campaign will be required to use their awarded Top-Up Coupons within seven (7) days from the date of receipt.

7.     The prizes in this Campaign are as follows:

•  MMK 1,000 Top-Up Coupon
•  MMK 100,000 Cashback
• MMK 50,000 Cashback
• MMK 10,000 Cashback
• MMK 5,000 Cashback
• MMK 3,000 Cashback
• MMK 2,000 Cashback
• MMK 500 Cashback and
• “Thank You”

8.     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”. Top-Up Coupons will be received as the redeemable coupons, which can be used when topping up with an amount greater than the coupon value. The Cashback crediting time may vary due to circumstances beyond the control of KBZ Bank.

9.     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.

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

11.    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.

12.    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.

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.    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.

15.    All normal KBZPay Terms and Conditions and the Terms and Conditions of relevant prizes 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 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.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 the two versions, the Myanmar version shall prevail.

1.   “Celebrate a joyful Thadingyut with KBZPay and Get up to 150 Million MMK Pocket Money!” Campaign starts from 1st October 2025 to 8th October 2025.

2.  KBZPay Level  1.5 ,Level 2 and  Youth Account Customers will be able to participate and need to collect Oil Lamps in advance to get the Thadingyut pocket money before the pocket money opening days.

3.   The purpose of this Campaign is to enable  KBZPay Customers to get Thadingyut pocket money. After collecting an Oil Lamp in advance, the Customer can get one of three types of pocket money prizes pool such as Rabbit lantern, Paper Lantern and a Big fireballoon , depending on the number of Oil Lamp that they have collected during the Campaign. Additionally, with the collected Oil Lamp, customers can exchange the coupon and open the mystery box to get  special rewards.

4. In order to collect the Oil Lamps in advance , KBZPay Customer will have to complete the following tasks and get the Oil Lamps during the Campaign.

4.1 Sending Thadingyut Wish Card

To collect Oil Lamps, participants need to send a Thadingyut Wish Card among their friends by sending the Thadingyut Wish Link specified by KBZPay and entering the shared Link through social media during the campaign period. Each participant may share or be shared up to three (3) times per day. However, they can only share or be sahredby the same friend once per day.

4.2 Make payment Ten Thousand (10,000) Kyats and above with a QR Code Payment at the Merchant Shops by scanning the Merchant Shops’ QR Codes.  

4.3 Pay Forty Thousand (40,000) kyats and above for Any QuickPay Payment in KBZPay.

4.4 Pay Ten Thousand (10,000) kyats and above for Any Bill Payment in KBZPay.

4.5 Top up the Gift Card with Ten Thousand (10,000) Kyats or above by KBZPay,

4.6 Cash in Ten Thousand (10,000) Kyats and above to KBZPay Wallet.

4.7 Enter the KBZPay Market and check the best deals.

4.8 Reads and likes the articles on the Official Account in the Campaign page

4.9 Enter and observe  My Medicine in KBZPay.

4.10 Purchase any product (1 Kyat or above) at the KBZPay Mini Apps (excluding Short Drama).

4.11 Enter and observe the Short Dramas in KBZPay.

4.12 Spend One Hundred (100) Kyats and above at the Short Dramas  in KBZPay.

4.13 Top up Five Thousand (5000) ks and above by KBZPay.

4.14 Enter and observe the Arcade in KBZPay.

4.15 Make payment of Fifteen Thousand (15,000) Kyats  and above at the My Medicine in KBZPay.

5.     The maximum number of times an activity can be performed per day and the number of lamps available are as follows.

NO	Category	How many times per day	Add volume of oil lamp per time	Maximum number of oil lamps available per day
1	Sending Thadingyut Wish Card	3	3	9
2	Read and Like the articles OA randomly	1	1	1
3	Enter Short Drama Mini App in KBZPay	1	1	1
4	Enter and observe KBZPay Market in KBZPay	1	1	1
5	Enter and observe Arcade in KBZPay	1	1	1
6	Cash in from their bank account equal or exceeds Ten Thousand (10,000) Ks	3	2	6
7	Bill Payment equal or exceeds Ten Thousand (10,000) Ks	3	2	6
8	Top Up equal or exceeds Five Thousand (5,000) Ks by KBZPay	3	2	6
9	KBZPay QR scan equal or exceeds Ten Thousand (10,000) Ks (excluding Medicare)	3	2	6
10	Enter and observe My Medicine in KBZPay	1	1	1
11	Make any transaction (exceeds or equal 1 Ks) in one of the KBZPay Mini Apps (excluding Short Drama)	3	2	6
12	Make QuickPay transaction equal or exceeds Forty Thousand (40,000) ks by KBZPay	3	3	9
13	Buy Short Drama Package equal or exceeds One Hundred (100) Ks in KBZPay	3	4	12
14	Buy Gift Card equal or exceeds Ten Thousand (10,000) ks	3	3	9
15	Purchase on Medicare equal or exceed Fifteen (15,000) ks in KBZPay	3	4	12

6.       KBZPay Customers can exchange the following coupons using  the Oil Lamps they have collected at the coupon exchange section in KBZPay everyday.Each Customer can claim and redeem a maximum of Three (3)  coupons per day.

No	Type Of Coupons	Amount (Ks)	Conditions of Usage	Required Oil Lamps
1	Top-up 200 Coupons	200	Greater than or equal to 2,000 MMK	2
2	Top-up 500 Coupons	500	Greater than or equal to 3,000 MMK	3
3	Top-up 1,500 Coupons	1,500	Greater than or equal to 10,000 MMK	4
4	billpayment 1,500 Coupons	1,500	Greater than or equal to 10,000 MMK	3
5	gift card 200 Coupons	200	Greater than or equal to 1,800 MMK	2
6	gift card 400 Coupons	400	Greater than or equal to 2,500 MMK	3
7	gift card 2,500 Coupons	2,500	Greater than or equal to 15,000 MMK	4
8	buygoods 10% discount coupon	10% discount ( up to 1,000)	Greater than or equal to 1 MMK	3
9	buygoods 15% discount coupon	15% discount (up to 1,500)	Greater than or equal to 1 MMK	4

7. KBZPay Customers can open the mystery box using the Oil Lamps they have collected in advance and win special rewards,the Samsung Galaxy A55, including other rewards. Each time KBZPay Customers open the Mystery box every day during the Campaign, 20 Oil Lamps will be automatically deducted for each time. The rewards are-

1. Cashback 300 Ks
2. Cashback 500 Ks
3. Cashback 1200 Ks
4. Cashback 3000 Ks
5. Cashback 5000 Ks
6. Cashback 10,000 Ks
7. a Samsung Galaxy A 55 (2 Units) and 
8. Thank You.

8. The Samsung Galaxy A 55 special prizes which were won in this Campaign  will be delivered directly to the winners. However, if delivery to the winner’s location is not feasible, they will need to collect their physical prizes from a KBZPay-designated location. Winners of the special prizes will be notified via SMS by KBZPay. Special Reward winners can claim their prize by sending the email to query@kbzpay.com together with the confirmation SMS screenshot, name, NRC, phone number and current address. Once KBZPay checks and confirms that the information is completed, the winner will be shared the address where they can go and claim the prize.

9. The winner is required to redeem his/her prize at KBZPay”s designated place within the specified days after receiving the confirmation SMS. Winners will not be available to claim these prizes after the deadline. KBZPay will withdraw the prize if the prize is not collected within the specified date. The winner must accept the prize only after it has been checked the prize at the time of collection. KBZPay will not be liable for any errors or damages in the prize received by the winner.

10.     KBZPay Thadingyut Pocket Money

KBZPay Users can get the Thadingyuts pocket money by clicking “Open Button” in the campaign page using the oil lamp which hvae collected in advance.In order to get pocket money, the system will automatically match the prizes pool such as the Rabbit lantern, Paper Lantern and a Big fireballoon  based on the Oil Lamp they have collected on 5th,6th,7th and 8th October 2025 at 8:00pm.As KBZPay Users, they can only unlock any one of   the Rabbit Lantern, Paper Lantern and  a Big Fire balloon per day and get pocket money. There shall not be the same specific number of Oil Lamps to unlock the Rabbit Lantern, Paper Lantern and  a Big Fireballoon each day. 

11. As it is first come first serve basis, Customers are encouraged to log in to their KBZPay account prior to the start of the Campaign to get the chance to open the KBZPay Pocket Money. 

12. KBZPay Customers need the Oil Lamps that have been collected by performing the tasks specified in Clause 4 by KBZPay to unlock the Pocket Money Prizes, to exchange the Coupons, to open Mystery box, and after one time use,the Oil Lamps need to be collected for another time use.

13.     Cashbacks will be delivered directly to Customers’ wallets and Coupons will be found in “My Coupons” under “My profile”. The validity of each Coupon is (24) hours and once the 24hours expire, the coupon will no longer be valid for use.. The Coupons and Cashbacks credited timeline may be varied in the event outside the control of KBZ Bank. 

14 Special reward winners and coupon winners are not allowed to exchange, transfer or exchange their prize/coupon as cash.

15. Customers are advised to upgrade their KBZPay application to the latest version to participate in this Campaign. 

16.        Customers can participate in this Campaign via KBZPay app banners, notifications, KBZPay Official Account articles and invitation links from social media.

 17. KBZPay Customers who make payments at merchant outlets using Other Bank’s MMQR are not eligible to participate in this Campaign. 

18. During this Campaign period, KBZPay  Customers will be entitled to enjoy the 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 13, if the Customer received the Coupons on the last day of the Campaign.

19. KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.

20. Customers are strictly forbidden to cheat in any other form or manner during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be cheating in any form and/or manner.

21.       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.

22.        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.

23.       KBZPay, 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.

24.       All normal KBZPay Terms and Conditions and the Terms and Conditions of the relevant Merchants  apply.

25.     These terms and conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.

26. 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.

27. 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 1.3 Million MMK on Oway Travel’s 13th Anniversary Book via KBZPay’s Oway Travel Mini App” takes place from 20th September  2025 to 29th September  2025.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5 or KBZPay Level 2 Customers.  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 receive 13,000 Ks Instant Cashbacks and one chance to spin the wheel and win the cashback and coupon code rewards by making purchases of two hundred thousand (200,000) Kyats and above at Oway Travel Mini App under the Travel category of KBZPay Mini Apps pay with KBZPay successfully. 
4. It will be eligible for the payments of Two Hundred Thousand (200,000) Kyats and above  at  Oway Travel Mini App under the Travel category of KBZPay Mini Apps and will receive 13,000 Ks Instant Cashbacks and one chance to spin the wheel and win the Cashback and Coupon rewards.
5. KBZPay Customers can receive 13,000 Ks Instant Cashbacks and  a chance to spin the wheel once each time they make a payment of  Two Hundred Thousand (200,000) Kyats and above at the Oway Travel Mini App under the Travel category of KBZPay Mini Apps during the Campaign period. 

The 13,000 Ks Instant Cashback per day will only be limited for the first 30 purchasers.

During this Campaign period, the cashback and coupon entitled through the chance of Spin Wheel are-

• One Million & Three Hundred Thousand (1,300,000) Kyats Cashback (Grand Prize)
• Ten Thousand (10,000) Kyats Discount Coupon and
• Thank You.

Coupon Code Usage

Ten Thousand (10,000) Kyats Discount Coupon needs to be purchased at  a minimum purchase  amount of 200,000 Ks and can be used till 31st March 2026.

Customers will be entitled to receive their Cashback instantly and directly to their KBZPay wallets of eligible Customers in this Campaign and it can be checked under their KBZPay’s “History”. As there is a daily limit on the number of Cashbacks, KBZPay Customers who make payment transactions exceeding such limit will not be eligible to receive Cashback.

6. 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.
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 articles.
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 activity 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 activity.
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 Oway Travel 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. ” Enhance Your Beauty at Cherry K Aesthetic Clinic and enjoy 30,000 MMK Off when you pay with KBZPay “ Campaign takes place  on 8^th September 2025 to 14^th September 2025.
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. The purpose of this Campaign is for KBZPay Level 1.5 and Level 2 Customers and Youth Account Customers to get instant cash deduction by making purchases Two Hundred Thousand (200,000) Kyats and above successfully at Cherry K Aesthetic Clinic and Pay with KBZPay by scanning Cherry K Aesthetic Clinic’s KBZPay      QR or KBZPay MMQR during this Campaign period.
4. It will be eligible for the payment of Two Hundred Thousand (200,000) Kyats and above for making  payments by scanning the KBZPay QR or KBZPay MMQR Code of the Cherry K Clinic and the customer will receive a Thirty Thousand (30,000) Kyats discount instantly. And then such a Thirty Thousand (30,000) Kyats discount is deducted from the amount to be paid and the remaining balance shall be paid.
5. During the Campaign period, one KBZPay Account can be entitled to receive one chance. There are limited Ten (10) cash deduction quotas per each day with a first      come, first served basis. KBZPay users who make purchases after exceeding the limit will not be eligible for instant cash deduction as there are limits about the number of the times for cash deduction will be given per day.
6. 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. 
7. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account.
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 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.
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.
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 Cherry K Aesthetic Clinic      apply.These 
14. 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. “Pay with KBZPay’s QuickPay and enjoy exciting Cashback rewards” Campaign takes place from 1^st September 2025 to 10^th September 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  twenty thousand (20,000)kyats and above successfully through QuickPay Categories in KBZPay Application and complete the payment successfully to enjoy the special reward up to Fifty Thousand  (50,000) Kyats or (2000) Kyats coupon that can be applied at QuickPay category only. During the Campaign period, the Cashbacks are as follows.

• Fifty Thousand  (50,000 ) Kyats Cashback
• Two Thousand (2000) Kyats Coupon
• Thank You

4. It will be eligible only for the Customers who make the payment of at least Twenty Thousand  (20,000) Kyats and above for a single      payment amount via QuickPay Categories in KBZPay Application 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 (1) 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 and coupons as there are limits for cashbacks that will be given every day for eligible payments. Coupons will be delivered directly to the KBZPay app “My Coupons” under “My Profile” of eligible participants in this Campaign.
6. Coupons will be valid only during the campaign period and the Coupons will expire at the end of this Campaign period. Customers can reuse these for purchasing through QuickPay Categories in KBZPay Application before the expiration date.
7. 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.
8. 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. 
9. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account.
10. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
11. 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.
12. 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.
13. 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.
14. 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.
15. All normal KBZPay Terms and Conditions 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 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.
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 the two versions, the Myanmar version shall prevail.

To ensure the best experience with KBZPay, we encourage you to upgrade to the latest version of the app. The new update brings enhanced security measures to protect your mobile wallet and personal information, along with exciting new features and performance improvements.

Key Benefits of Upgrading

1. As KBZPay is an essential part of your daily life, we’ve strengthened security systems and made important updates to safeguard your account and personal data.
2. Enhanced Payment Convenience
   • Easily scan and pay using MMQR
   • Double-tap to zoom in on QR codes when scanning
3. Stronger Bank Account Security
   • Enhanced technology has been introduced to improve the safety of bank account linking
   • Automatic linking to bank accounts has been adjusted to reduce the risk of unauthorized transactions
4. New Entertainment Features
   • Watch engaging content with the new Short Drama feature
   • Enjoy casual gaming in your free time through Arcade
   • Version 5.8.2 provides more reliable and timely notifications
   • Improved communication through OA+ (Notification System)
5. Improved Mini App Experience
   • Smoother and more responsive use of OA and Mini App Platform
6. User-Friendly Design Enhancements
   • A clean, intuitive interface designed for everyday use
   • Pin your top 8 favorite services under “My Services” for quick access
   • Receive alerts about campaigns, updates, and opportunities through enhanced notifications

Update your KBZPay app today to enjoy a more secure, smooth, and engaging experience.

1. ” Shop with joy at KBZPay Mini Apps and get double benefits”  Campaign takes place from 1st September 2025 to 10th September 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  30,000 kyats and above at the merchants  of KBZPay Mini Apps under Shopping category successfully.
4. It will be eligible only for the Customers who make the payment of at least thirty thousand kyats (30,000 MMK) and above successfully in one transaction at KBZPay Mini Apps under hopping category during this Campaign period. Customers will also get notification for Cashback after payment is successful. The Cashbacks are as follows- 

• Five thousand (5,000)  Kyats Cashback
• Ten thousand (10,000) Kyats Cashback

5. During the Campaign period, one KBZPay Account can be entitled to receive one chance per day and a total ten chances can be received during the whole Campaign period. This is a first come,first serve basis and there will be limited Cashbacks for each day.  KBZPay Customers who make purchases after exceeding the Cashback  limit will not be eligible for  Cashback as there are limits for  Cashbacks  for every day     .
6. 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”. 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 relevant Merchants 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.