1. “Celebrate Medicare’s 8th Anniversary with KBZPay and Win Big Daily Campaign” takes place from 1st September  2025 to 15th September  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 Cashbacks randomly by making purchases of Thirty Thousand (30,000) Kyats and above at Medicare Outlets (Except Yangon Outlets) during the Campaign and Pay with KBZPay successfully by scanning Medicare’s KBZPay MMQR Code (or) KBZPay QR Code (or) with Customer Present KBZPay QR Code (or) manually adding shortcode of Medicare’s shop (or) Own Scan (Micro Pay).
4. It will be eligible for the payments of Thirty Thousand (30,000) Kyats and above, and also payments  at  Medicare Outlets (except Yangon Outlets) as below, by scanning the Medicare’s KBZPay MMQR Code(or) KBZPay QR Code of the  Medicare (or) with Customer Present QR Code (or) adding shortcode of Medicare’s shop  (or) Own Scan (Micro Pay) and will receive a chance to open the gift box and win random cashback. 
5. KBZPay Customers can receive a chance to open the gift box once each time they make a payment of  Thirty Thousand (30,000) Kyats and above by KBZPay Application during the campaign period.Cashback rewards are
   • One Thousand (1,000) Kyats Cashback
   • Five Thousand (5,000) Kyats Cashback
   • Ten Thousand (10,000) Kyats Cashback
   • One Hundred Thousand (100,000) Kyats Cashback and
   • Thank You.

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”. KBZPay users who make purchases after exceeding the limit will not be eligible for cashback as there are limits about the number of the times for cashbacks will be given every day.

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 the Medicare 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. “Buy Gift Card on KBZPay and Win Exciting Rewards” Campaign  takes place from 24th August 2025 to 2nd September 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. 
3. The purpose of this Campaign is for KBZPay Level 1.5, Level 2 and Youth Account Customers to purchase at the selected Gift Card on KBZPay  and pay Ten thousand (10,000) kyats and above via KBZPay successfully during the Campaign period and can get a chance to win the following rewards:

Cashback	Coupon	Special Prizes
500 Ks1,000 Ks3,000 Ks5,000 Ks and Thank you.	5,00 Ks 1,000 Ks 3,000 Ks	Infinix GT 30 ProHuawei Fit 4 ProHuawei Fit 4Redmi Buds 6 Pro

4. To be eligible for a chance to win the rewards, the payment amount must be 10,000 kyats and above and also payments at selected Gift Card will receive a reward.There is no limit on the number of chances during the Campaign. Customers will receive chances based on their gift card purchase amount as follows:

Payment Amount	Available Chances
10,000 ≥x <30,000	1 time
30,000 ≥ above	3 times

5. Customers can enjoy a lucky draw chance when they make a payment of Ten thousand (10,000) kyats  and above via KBZPay successfully at the selected Gift Card  listed below.

No	Gift Card List
1	Mobile legends Bang Bang
2	Apple/iTunes(US Region)
3	PUBG
4	Honor of Kings
5	Roblox
6	Steam Wallet (SG Region)
7	Free Fire(Global)
8	PlayStation Network (US Region)
9	PlayStation Network (SG Region)
10	Razer Gold (US)
11	Nintendo eShop (US Region)
12	Valorant (US Region)
13	Arena Breakout
14	NetFlix Movie Cards
15	MyanmarNet
16	Magic Chess: Go Go
17	Viber Plus
18	Razer Gold (Global)
19	Spotify (US Region)
20	Xboxs (US Region)
21	Blizzards (US Region)
22	Minecraft Cards
23	Life After
24	Microsoft (US Account)
25	Wun Zinn
26	XBox Game Pass Core(US)
27	Shwe Note
28	League of Legends(US)
29	EA Play(US)
30	New State Mobile (NC) Cards
31	Riot Access Points (US

6. Campaign is not available for the other payments aside from payment at the selected Merchant which are specified in Clause (5). 
7. The Coupon received from this Campaign can be redeemed according to the below conditions.

No	Coupon (Amount)	Minimum Purchase
1	500 MMK	3,000 kyats and above
2	1,000 MMK	5,000 Kyats and above
3	3,000 MMK	10,000 kyats and above

8. The Customers can access the coupon by navigating to “Coupons” in KBZPay. Each coupon is valid for 3 days starting from the date of receipt. The Coupon can be used  if you purchase the KBZPay Gift Card 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. Cashback will be credited directly to 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 limit will not be eligible for rewards as there are limits about the number of the times for cashbacks will be given every day. The reward credited timeline may be varied in the event outside the control of KBZ.
10. Special Prize Winner must contact the KBZ Bank (query@kbzpay.com) with their personal information such as name, NRC, phone number and current address as well as the received verified Screenshot. When KBZ has received all necessary information, the Winner will be notified the address where the Special Prize can be collected when KBZ has received all necessary information.
11. The Special Prize Winner is required to redeem his/her Special prize at KBZ’s designated place along with the required documents to collect the Special Prize himself/herself within ( 30 ) working days. If the Winner is not able to collect the Prize within designated (  30  ) working days, KBZ Bank shall withdraw the prize. The Winner may accept the Special Prize only after verification at the time of receipt. KBZ will not be liable for any errors or damage in the Special Prize received by the Winner. The Special Prize winner is not allowed to exchange,transfer, or exchange the mega prize as cash.
12. 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. 
13. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account articles.
14. KBZ employees will never ask the participants in the Campaign for OTP, PIN, or KBZPay Account information.
15. 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.
16. 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.
17. 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.
18. 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. 
19. All normal KBZPay Terms and Conditions and relevant Merchants  terms and conditions  shall  apply.
20. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
21. 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.
22. 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. “9.9 Super Sale” Campaign will be started from 1st September 2025 till 09th September 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. “9.9 Super Sale” 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 150 orders of 50,000 Ks & above minimum purchase value on 3rd & 4th September 2025 will  start at delivery cost Five Hundred (500) kyats for purchases of Fifty Thousand (50,000) kyats or more successfully.
5. In the KBZPay Market’s “9.9 Super Sale 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 01st September 2025 and the second time  will be held on 09th September 2025. For the first “Hottest Deals in Town” program that starts on 01st September 2025, Customers can start purchasing only on 01st September 2025 at 9:00PM. For another  “Hottest Deals in Town” Activity on 09th  September 2025, Customers can start purchasing only on 09th September 2025 at 9:00PM. As these are direct discounts, they will be converted from the original price of selected items into discounts as soon as 9:00PM.
6. The Mega Price Drop discount program will be held for (9) days from 01st September 2025 to 09th September 2025, and will be available for purchase at direct discounts.

7. The Crazy Offers program will be held for two (2) days on 06th September, 2025 and 07th September, 2025, and will be available for purchase of selected items at direct discounts.
8. During the “9.9 Super Sale” 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 “9.9 Super Sale”. The delivery coverages that are eligible for this Campaign are the whole country of Myanmar.
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 Marke 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. “NEC Fans’ MVP” Campaign will be from 18th August 2025 to 24th August 2025.

2. KBZPay Level 1.5 and 2 Customers will be able to participate in this Campaign. KBZPay Level 1 Customers need to upgrade to Level 2 successfully, and new Customers must be registered as KBZPay Level 2 Customers successfully to participate in this Campaign.

3. The purpose of this Campaign is for the KBZPay Customers in the Myanmar Esports Industry to score their favourite team in National Esports Championship and get special rewards.

4. The team who gets the most scores in the Championship will be awarded the prize by KBZPay, at the National Esports Championship on-ground event held on 23rd and 24th August 2025.

5. Each top 10 KBZPay Customers who scored the most for the “NEC Fans’ MVP” awarded team will get a chance to enjoy the special rewards as a special dinner with the “NEC Fans’ MVP” awarded team and a Team Jersey. 

6. During the Campaign period, KBZPay Customers have to collect points to score their favourite teams, and they must score their favourite team with the collected points before 24th August 2025, 12:00 PM.

7. For the special reward chances, the first KBZPay Customer who scored the teams  within the shortest time will be prioritized for the ranks.

8. KBZPay Customers have to complete daily tasks accordingly to get the points to score the team.

9. Each collected point allows Customer to score one favorite team. The point will be deducted upon use.

How to collect points to score the favourite team

• Share the Campaign on Social Media ( 1 time during the Campaign period)
  
• Play any Arcade Game until 1 level is passed at least
  (  2 times per day)
  
• Top Up at least 1,000 Ks and above (unlimited per day)
  
• Buy Short Dramas at least 150 Ks and above (unlimited per day)
  
• Buy Gift Card at least 5,000 Ks and above (unlimited per day)

10. The Winners will be announced by KBZ within 10 working days after the Campaign ends, and the Special Dinner Event with the NEC Fans’ MVP awarded team will be announced separately.

11. The Winners are not allowed to exchange, transfer, or exchange their Rewards  as cash.The Winner Announcement and reward awarding timeline may be varied in the event outside the control of KBZ.

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

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

14. 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.

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. 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. 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. 

18. All normal KBZPay Terms and Conditions and the Terms and Conditions of Merchant shall also 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. BZPay 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.
2. 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  ten thousand (10,000     )kyats and above at the City Express with KBZPay successfully through Own Scan(Micro Pay).     

3. It will be eligible only for the Customers who make the payment of at least ten thousand(10,000     ) Kyats and above successfully in one transaction at City Express  with KBZPay successfully through      Own Scan(Micro Pay) during this Campaign period and get a chance of gift box which and enjoy the Cashbacks mentioned in below.     The Cashbacks are as follows. 

• Five Hundred (500)  Kyats Cashback
• Thank You.

4. During the Campaign period, one KBZPay Account can be entitled to receive one chance per day and ten chances can be received during the whole      Campaign period. 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      will be given every day     .
5. Cashback will be received directly into the KBZPay wallet. However, the C     ashback  credited timeline may be varied in the event outside the control of KBZ.
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. 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.
10. 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.
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 City Express      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. “KBZPay Brings You Luck with the Monsoon Raindrops” Campaign  takes place from 14th July 2025 to 27th July 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. 
3. The purpose of this Campaign is for KBZPay Level 1.5, Level 2 and Youth Account Customers to purchase at the selected merchant and pay Ten thousand (10,000) kyats and above via KBZPay successfully during the Campaign period and can get a chance to win the Cashback: 100,000 kyats,3,000 kyats, 1,000 kyats,500 kyats and “Thank you”.

4. To be eligible for a chance to win cashback, the payment amount must be 10,000 kyats and above and also payments at selected merchants’ shops as below, by scanning the KBZPay MMQR (or) KBZPay QR Code of the Merchant’s shop (or) with Customer Present QR (or) adding shortcode of merchant’s shop  (or) Own Scan (Micro Pay) and will receive a cashback. There is no limit on the number of chances during the campaign. However, each customer can receive a maximum of 3 cashback rewards per day and up to 6 cashback rewards throughout the campaign period.
5. Customers can enjoy a lucky draw chance when they make a payment of Ten thousand (10,000) kyats  and above via KBZPay successfully at the selected Merchant  listed in the table below.

No	Merchant List
1	The Story Cafe
2	Coffee Date Since 2022
3	Shwe Pu Zun Co.Ltd
4	Tip Top Bakery
5	DOUGHNUT Group
6	Coffee Six Six
7	Meraki Lounge
8	Manual Cafe
9	Barica Coffee
10	D Bakery
11	Miracle Cafe and Loung
12	Mr.Chef Cafe & Restaurant Group
13	Burgundy Hills Cafe & Lounge
14	SP Bakery Company Limited
15	My Hope

6. Campaign is not available for the other payments aside from payment at the selected Merchant which are specified in Clause (5). 
7. Cashback will be credited directly to 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 limit will not be eligible for cashback as there are limits about the number of the times for cashbacks will be given every day. The cashbacks 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. KBZPay Customers who make payments at merchant outlets using Other Bank’s MMQR are not eligible to participate in this 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 for OTP, PIN, or KBZPay Account information.
12. 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.
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 and relevant Merchants  terms and conditions  shall  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. “Lucky Draw Campaign in Grand Hantha International Hospital” is valid from 5th July 2025 to 7th July 2025 (3 days).

2. During the campaign period, the following KBZ Debit Cards and Credit Cards are eligible.

Debit Cards	Credit Cards
1.  MPU-UnionPay Asia Prestige Diamond     Debit Card	1.  Visa Credit Cards (Classic, Platinum)
2.  MPU Debit Card	2.  MPU-UnionPay Credit Cards (Classic, Platinum)
3.  MPU Teen Debit Card	3.  MPU Credit Cards (Classic, Gold, Platinum)
4.  MPU Business Debit Card

3. During the Campaign period, cardholders can participate in the campaign by purchasing Medical Check-Up Packages of a minimum 500,000 MMK with KBZ Bank Debit Cards and Credit Cards by KBZ POS in Grand Hantha International Hospital and get a chance to win lucky draw prizes and  special gifts.

4. During this Campaign period, KBZ Debit and Credit Cardholders who purchase Medical Check-Up Packages and spend a minimum of 500,000 MMK and above on KBZ POS successfully in Grand Hantha International Hospital get chances to win the Lucky Draw. During this promotion period, only the first (15) people who make a total purchase of five hundred thousand (500,000) kyats or more by using the KBZ Bank Debit Card or Credit Card, mentioned in Clause (2), will be eligible to win the Lucky Draw.Cardholders beyond the 15th  will receive special gifts from KBZ Bank. Each KBZ Bank Debit Card and Credit Card mentioned in Clause (2) will be eligible for this lucky draw only once (1) per day.

5. The following lucky draw prizes and  special gifts will be included in the Campaign:

• Two Hundred Thousand (200,000) MMK – 5 Prizes
• One Hundred Thousand (100,000) MMK – 5 Prizes
• Fifty Thousand (50,000) MMK – 5 Prizes
• Thirty Thousand (30,000) MMK – 10 Prizes
• Twenty Thousand (20,000) MMK – 15 Prizes
• Silver Gift Set worth fifty thousand (50,000) MMk – 5 Prizes
• Special Gifts  from KBZ Bank – 30 Prizes

6. The Lucky Draw amount will be credited directly to KBZ Bank account linked by KBZ Bank Debit Card and Credit Card (VISA, MPU-UnionPay, and MPU) of the Lucky Draw eligible Cardholders within (7) working days after the end of the Campaign. The Lucky Draw eligible Cardholders will receive an SMS from KBZ Bank after the Lucky Draw prize has been credited. Silver Gift Sets,valued at fifty thousand (50,000) MMK and Special Gifts from KBZ Bank will be awarded immediately on the day of the Campaign. 

7. The lucky draw winners are not allowed to exchange,transfer, or exchange their gifts as cash.

8. The date for crediting the lucky draw prizes may vary due to public holidays or circumstances beyond KBZ Bank’s control. 

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

10. During this Campaign period, the Cardholders of KBZ Bank Debit Card and KBZ Bank Credit Cards will be entitled to enjoy the benefits stated in these Terms and Conditions, which will expire at the end of this campaign period.

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

12. In the event of any dispute arising between KBZ Bank Debit Card and Credit Card 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 Customers.

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 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 Card Terms and Conditions and the Terms and Conditions of Grand Hantha International Hospital shall also 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 during those circumstances.

18. These Terms and Conditions are made both in 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. ” 150 MMK Gift Coupon for First-Time Purchasers on Short Dramas” Campaign takes place from 26^th June 2025 to 9^th July 2025.
2.   KBZPay Level 1.5 and Level 2 Customers can participate in this Campaign with the KBZPay Application version 5.8.0.  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 to enable KBZPay Customers to receive coupons when the Customer completes the first payment order and he/she will receive a 150Ks short dramas coupon.
4. During the Campaign period, the Customer      needs to purchase one short drama and he or she can receive the 150Ks short dramas coupon      and coupons can be claimed under “My Coupon” Page of Short Dramas Mini App in KBZPay.
5. When the Customer      makes the second payment order, the coupon can be used if it meets the order threshold.
6. Coupons can be used only within the campaign period.                              .
7. Coupon winners are not allowed to exchange, transfer or exchange their coupon as cash.
8. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account.
9. 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. 
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.

1. “Pay with KBZPay at Hot Pot Diary & Get Cashback Campaign” takes place from 23rd June 2025 to 23rd July  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 Cashbacks by making purchases at Hot Pot Diary during the Campaign and Pay with KBZPay successfully by scanning Hot Pot Diary’s KBZPay MMQR (or) KBZPay QR (or) with Customer Present KBZPay QR (or) manually adding shortcode of Hot Pot Diary’s shop (or) Own Scan (Micro Pay).
4. It will be eligible for the payments of 43,000 Kyats and above, and also payments  at  Hot Pot Diary as below, by scanning the KBZPay MMQR (or) KBZPay QR Code of the  Hot Pot Diary (or) with Customer Present QR (or) adding shortcode of Hot Pot Diary’s shop  (or) Own Scan (Micro Pay) and will receive a cashback. The merchants’ shop is Hot Pot Diary only.
5. KBZPay Customers can be rewarded once each time they make a payment of 43,000 Kyats and above and each KBZpay account can participate up to a maximum of (10) times during the campaign period.Cashback rewards are
   • 7,000Ks Cashback
   • Thank You.
     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”. KBZPay users who make purchases after exceeding the limit will not be eligible for cashback as there are limits about the number of the times for cashbacks will be given every day.
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 the Hot Pot Diary 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. KBZPay has designated the period from 16th June 2025 to 18th June 2025, as the Campaign period for “Enjoy an Exclusive Discount on the Huawei Authorized Store Mini App and Get 100,000 KyatsDiscount” Campaign.

2. In this campaign, only KBZPay Level 1.5 ,KBZPay Level 2 and Youth Account users can participate .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 purchase Huawei Fit 4 Series Smart Watch (Normal or Pro) on Huawei Authorized Store  Mini App under KBZPay Mini Apps. Customers may receive a discount of (1) hundred thousand Kyats (100,000) Kyats discount upon purchasing the Huawei Fit 4 Series Smart Watch (Normal or Pro). To obtain the (1) hundred thousand Kyats (100,000) Kyats discount, customers need to claim the coupon worth one hundred thousand Kyats (100,000) Kyats first by entering the Huawei Authorized Mini App.

4. The (1) hundred thousand Kyats (100,000) Kyats coupon received from the Huawei Authorized Store Mini App during the Campaign period , can only be redeemed when purchasing the Huawei Fit 4 Series Smart Watch (Normal or Pro) through the Huawei Authorized Store Mini App.In this Campaign, each KBZPay Account or KBZPay Youth Account  is eligible to receive the 100,000 Kyats coupon only once during the entire campaign period.

5. There is a daily limit on the number of products and coupons available for purchasing Huawei Fit 4 Series Smart Watch (Normal or Pro) , and once this limit is reached, the coupon cannot be used on that day. Coupons received by customers can only be used during the Campaign period. Once the Campaign period ends, any unused coupons received from this Campaign will automatically expire and will no longer available to use.

6. According to this Campaign, customers are not permitted to transfer, sell, or exchange the received coupons with other people in any form. KBZ shall not be held liable for any disputes arising from the customer’s violation of these terms; the customer  shall be solely responsible.

7. Youth Customers who are eligible to participate in this Campaign may use the coupon to purchase the Huawei Fit 4 Series Smartwatch (Normal + Pro) on the Huawei Authorized Store Mini App, after they have received permission from their parent(s) or legal guardian(s).

8. Under this Campaign, the coupon received by customers cannot be exchanged for cash at any time by  KBZ, and customers are not entitled to request such an exchange.

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

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

11. 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.

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 at any time.

15. All normal KBZPay Terms and Conditions and selected petrol stations  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 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.