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.

1. ” Top Up Your phone Bill with KBZPay for a Chance to Win Coupons “Campaign takes place from 26^th May 2025 to 8^th June 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 Coupons when they buy airtime. 
4. It will be eligible only for the Customers who make the payment of at least 5,000 Kyats and above for the airtime amount via KBZPay during this Campaign period. During the Campaign period, the Coupons are as follows.

• Two hundred (200) Ks Coupon
• Two hundred and fifty (250) Ks Coupon
• Three hundred (300) Ks Coupon
• Three hundred and fifty (350)Ks Coupon
• Thank You

5. During the Campaign period, KBZPay users can only participate once per day with one KBZPay account.     . There are limited coupon quotas every day. KBZPay users who make purchases after exceeding the limit will not be eligible for coupons as there are limits about the number of the times for coupons will be given every day.
6. During the campaign period, coupons will be valid only within five days of receiving coupon and coupons will be delivered directly to the KBZPay app “My Coupons” under “My Profile” of eligible participants in this Campaign.  During this Campaign, Coupon winners are not allowed to exchange, transfer, assign or convert as cash.
7. During this Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. 
8. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account.
9. KBZ employees will never ask the participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
10. Customers are strictly forbidden to involve in any other form or manner of fraudulent activities during this Campaign. KBZPay has the right to cancel and/or ban any Customer who is suspected to be involved in any form and/or manner of fraudulent activities.
11. In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.
12. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
13. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
14. All normal KBZPay Terms and Conditions 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 QR Week” Campaign takes place from May 25^th, 2025 to August 16^th, 2025. During the Campaign period, every Saturdays of the weeks  are specified as QR Week Day.
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 1.5 or 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 by making purchases thirty thousand (30,000) Kyats and above successfully at Merchants’ shops during the Campaign period and Pay with KBZPay by scanning Merchant’s KBZPay QR (or) MMQR (KBZPay) with Customer Present KBZPay QR (or) manually adding shortcode of merchant’s shop (or) Own Scan (Micro Pay).
4. It will be eligible for the payments of thirty thousand (30,000) Kyats or more, and also payments by scanning the KBZPay QR Code of the Merchant (or) MMQR (KBZPay) with Customer Present QR (or) pay to merchant with shortcode (or) Own Scan (Micro Pay) and will collect one star and get a chance to win the cashback. KBZPay users who made the payments by KBZPay reaches 7 times transactions of 30,000 Kyats or more within a week will get 7 stars, the Customer will receive one chance to open the gift box for Up to 5 million Ks Cashback on every Saturdays as QR Week Day during Campaign period. 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.
5. One KBZPay Account can be able to receive (1) chance per week for the rewards.      Cashback rewards are
   • 5,000,000 Ks Cashback (Big Prize)
   • 100,000 Ks Cashback
   • 50,000Ks Cashback
   • 30,000Ks Cashback
   • 10,000Ks Cashback
   • 5,000Ks Cashback
   • Thank You.

The chance to win the Cashbacks up to 5 million Ks will be entitled once a week according to the Terms and Conditions. Customers will be able to receive their Cashback instantly and directly to KBZPay wallets of eligible Customers in this Campaign and it can be checked under “History”. There are limited Cashback quantities. If the limited Cashback quantities have reached, the Customer will not be entitled to receive a Cashback. The big prize of 5 million kyats can be won only once  per KBZPay account within a campaign period and KBZ employees are not eligible for that only big prize.

6. Cashback will be credited directly to KBZPay wallets of eligible Customers in this Campaign. The Cashbacks credited timeline may be varied in the event outside the control of KBZ.
7. 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. 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.
11. In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZPay without any prejudice to the statutory rights of the Customer.
12. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
13. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
14. All normal KBZPay Terms and Conditions and the Terms and Conditions of the Merchants’ shops 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 School Essentials For Your Children and Pay with KBZPay” Campaign  takes place from 19 th May 2025 to 1st June 2025.
2. KBZPay Level 1.5 ,KBZPay Level 2 and Youth Account users 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 purchase at the selected merchant and pay Thirty thousand (30,000) kyats and above via KBZPay successfully and above during  the Campaign period and can get a chance to spin the wheel and win the Cashback: 1,000,000 kyats,10,000 kyats, 5,000 kyats,3,000 kyats and  1,000kyats and customers can claim the following coupons based on their payment amount.

Payment amount	Coupon
30,000ks≤ X＜80,000ks	2,000 ks
80,000ks≤ X＜100,000ks	3,000 ks
100,000ks≤ X	5,000 ks

4. The minimum purchase amount is thirty thousand (30,000) kyats per transaction and the Customer will get a lucky draw chance  by making payment of the minimum purchase via KBZPay successfully. One Customer can get three chances during the whole campaign to win the Cashback.There are  limited Cashback  units available per day. If the limited Cashback  amount has reached, the Customer will not be able to receive a Cashback. One Customer can get one (1) chance during the whole campaign to entitle the Coupon.

5. Customers can enjoy a spin wheel chance when they make a payment of thirty thousand and above via KBZPay successfully at the selected Merchant  listed in the table below.

No	Merchant List
1	SB Baby Company Limited
2	Baby & Me Myanmar
3	Yangon Baby
4	Rin Rin Baby Mart
5	Baby Papa
6	United Living Mall Trading Co Ltd
7	Golden Tiger(Min Family)Co.ltd
8	Pyone Pyone Cho Company
9	My Page Stationery & Gift Shop
10	ICE LAND Supermarket
11	MiThaSu Mart

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

No	Coupon (Amount)	Conditions of Use
1	2,000 MMK	10,000 kyats and above
2	3,000 MMK	20,000 Kyats and above
3	5,000 MMK	30,000 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 again if you pay via KBZPay at selected Merchant before its expiration date. According to the terms and conditions, the Customers  can  still redeem the coupon within the remaining  validity periods  even after the Campaign ends.
9. During this Campaign period, KBZPay Customers who use KBZPay Application 5.5.0 and above version will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period. Notwithstanding the Clauses herein, Customers can enjoy the Coupons as stated in Clause (8) if the Customers received the Coupons on the last day of the Campaign.
10. Due to the Amount Limitation, the Youth Account cannot get the 1 Million Kyats Cashback instantly. Cashback 1 million kyats will be credited to the KBZPay wallet of youth account users within one month according to the Daily Transaction Limit specified by KBZPay after they win the cashback.
11. KBZPay Customerswho make payments at petrol outlets using Other Bank’s MMQR are not eligible to participate in this campaign.
12. Customers can participate in this Campaign via KBZPay app banners, notifications, and KBZPay Official Account articles.
13. KBZ employees will never ask the participants in the Campaign for OTP, PIN, or KBZPay Account information.
14. Customers are strictly forbidden to involve in any fraudulent activity in any other form or manner during this Campaign. KBZ has the right to cancel and/or ban any Customer who is suspected to be involved in any fraudulent activity in any form and/or manner.
15. In the event of any dispute arising between KBZPay Customers and KBZ regarding this Campaign, such dispute will be examined carefully and finally resolved by the authorized officers of KBZ without any prejudice to the statutory rights of the Customer.
16. KBZ, at any time, shall have the right to amend or cancel or terminate the Terms and Conditions and or Campaign and the benefits or features regarding this Campaign conditionally for some reasons without giving any notice.
17. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice at any time. 
18. All normal KBZPay Terms and Conditions and selected petrol stations  terms and conditions  shall  apply.
19. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
20. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
21. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “Buy Diamonds with KBZPay and Enjoy Cashback & Bonus Diamonds!”  Campaign period takes place from 20th May 2025 to 29th May 2025.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5 ,KBZPay Level 2 and Youth Account  if KBZPay Level 1  Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to KBZPay Level 2 successfully. Moreover, KBZPay application version has to be 5.5.0 and above. 
3. The purpose of this Campaign is for KBZPay Level 1.5, Level 2 and Youth Account Customers to purchase MLBB Gift Card and pay a minimum of (500) kyats and above via KBZPay  during  the Campaign period and can get a chance to spin the wheel and win the following rewards:

• 5 Diamonds
• 11 Diamonds
• 22 Diamonds
• 56 Diamonds
• 30,000ks  cashback
• 50,000ks cashback
• 100,000ks cashback
•   Thank you

4. Cashback and Bonus Diamond, The minimum purchase amount is Five Hundred (500) kyats per transaction buying KBZPay MLBB Gift Card and the Customer will get the following  lucky draw chance  by making payment of the minimum purchase via KBZPay successfully. Each eligible payment amount task can only participate one time per day and Spin Wheel chance will not be obtained for using the same single recharge amount again during the same day.For example: If a user makes a 500 MMK payment, they will receive a specified Spin Wheel chance for that day. However, if the same user makes another 500 MMK payment on the same day, they will not receive an additional Spin Wheel chance.
   

5. There is no limit to the number of Spin Wheel chances a user can receive during the campaign period. However, all spin chances which were obtained in a day will be cleared daily at 00:00 AM. There are  limited Cashback and Diamond units available per day. If the limited Cashback and Diamonds amount has reached, the Customer will not be able to receive a Cashback and a Diamond.
6. Cashback will be credited directly to KBZPay wallets of eligible Customers in this Campaign. The Cashbacks credited timeline may be varied in the event outside the control of KBZ. The Customers can access the Bonus Diamond by navigating to “____My Rewards Page_______” in KBZPay.

7. Customers can redeem the diamonds received from this campaign on the official MLBB website.

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 for OTP, PIN, or KBZPay Account information.
10. 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.
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 at any time. 
14. All normal KBZPay Terms and Conditions and MLBB Website terms and conditions  shall  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. “Shop Your Favorites on KBZPay Mini Apps and Double the Fun with Discount Coupons” Campaign takes place from 2025 May 9th to 2025 June 9th.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5, KBZPay Level 2 and Youth Customer if KBZPay Level 1  Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to KBZPay Level 2 successfully. Moreover, KBZPay application version has to be 5.5.0 and above. 
3. The purpose of this Campaign is for KBZPay Level 1.5, KBZPay Level 2 and Youth Customers to purchase at one of  KBZPay Mini Apps under Mini Apps of KBZPay can get discount coupons and cashback when the tasks are completed as following –

1,000 Ks Welcome Coupon

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

Team Activity

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

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

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

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

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

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

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

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

Task and Team Rewards  

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

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

Coupon Usage

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

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

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

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

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

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

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

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

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

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

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

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

15. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.16. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.