1. ““KBZPay’s Cupid” Campaign is from 8th February 2024 to 14th February 2024.
2. KBZPay Level 1.5 and Level 2 Customers will be able to participate.KBZPay Level 1 Customers need to upgrade to Level 1.5 (or)  Level 2 first successfully and new Customers must be registered as KBZPay Level 1.5 (or) Level 2 Customer successfully to participate in this Campaign.
3. During the Campaign period, Customers will be able to obtain scratch cards and in order to obtain scratch cards, customers will have to complete the tasks as below.

• Pay with KBZPay (Get 1 Scratch Card by making payment with KBZPay for 5,000 Ks and above)
• Cash into KBZPay (Cash into KBZPay for 5,000 Ks and above to Get 1 Scratch Card)
• Invite new KBZPay Level 1.5 or 2 user (Invite new KBZPay Level 1.5 or 2 user and get one Scratch Card)

4. A KBZPay Customer can earn a scratch card if he performs within the following number of activities per day, and if the specified number is exceeded, he will no longer receive a scratch card.
   • Pay with KBZPay (up to 4 times a day)
   • Cash into KBZPay (up to 4 times per day)
   • Invite new KBZPay Level 1.5 or 2 user (unlimited number of times)
5. After completing the tasks, Customers will get 1 Scratch Card and the rewards from scratching the card are as follows:

• 1 Million Kyats Cashback (Big Prize)
• 100 Ks Top Up Coupon
• 200 Ks Top Up Coupon
• 5000 Ks Top Up Coupon
• 1,000 Ks KBZPay Market Coupon
• 2,000 Ks KBZPay Market Coupon
• 3,000 Ks KBZPay Market Coupon
• 500 Ks Cashback
• Thank you

6. KBZPay Customers can only use one  Coupon for one purchase and pay with KBZPay and the purchase amount Coupons for this Coupons has to be as below.

• At least 2,000 MMK for 100 Ks Top Up Coupon
• At least 3,000 MMK for 200 Ks Top Up Coupon
• At least 3,000 MMK for 500 Ks Top Up Coupon
• At least 10,000 MMK for 1,000 Ks KBZPay Market Coupon
• At least 20,000 MMK for 2,000 Ks KBZPay Market Coupon
• At least 30,000 MMK for 3,000 Ks KBZPay Market Coupon

7. Cashbacks will be delivered directly instantly to Customers’ wallets and Coupons will be found in “My Coupons” under “My profile”. Customers can enjoy the Coupons within (7) days. The Discount Coupons and Cashbacks credited timeline may be varied in the event outside the control of KBZ Bank.
8. For the KBZPay Level 1.5 or Level 2 new user invitation Task, if the invitee can successfully open KBZPay Level 1.5 or Level 2, inviter will receive a 1,500 Kyat Cashback and a scratch card.
9. Coupon winners and daily big prize winners are not permitted to exchange, transfer or convert the coupons and prizes they have received into cash.
10. Customers can participate in this Campaign via KBZPay app banners, notifications, KBZPay Official Account articles and invitation links from social media. 
11. 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 within (7) days as stated in Clause (7) if the Customer received the Coupons on the last day of the Campaign.
12. KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
13. 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.
14. 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.
15. 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. 
16. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
17. All normal KBZPay Terms and Conditions apply.
18. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
19. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves.KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances
20. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. “KBZPay Bill Payment” Campaign takes place from 6th February 2024 to 24th February 2024.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5 or KBZPay Level 2 and if KBZPay Level 1 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to  KBZPay Level 1.5 or KBZPay Level 2 successfully. 
3. The purpose of this Campaign is for KBZPay Level 1.5 and KBZPay Level 2 Customers to receive Cashbacks up to 99,999 Ks by making successful payment of Bills for ATOM Broadband, Hana Microfinance Limited, Myanmar Insurance, 5BB Broadband, SKYNET, Canal+, ANANDA, Electricity Meter Bill (Bago, Shan, Yangon, Mandalay, Irrawaddy, Nay Pyi Taw), Yangon City Development Committee (YCDC) and Custom Department under “Bill Payment” of KBZPay.
4. It will be eligible for the payment of 3,000 Kyats and above and every KBZPay Customer can participate daily during the Campaign period. However, there is a limited amount of Cashbacks for each day, so if the cashback amount exceeds that limit, the Customer won’t be able to get a cashback. 
5. Cashback pocket money 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 Bank.
6. Customers will receive the random Cashback amount from 500 Ks to 99,999 Ks.
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 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.
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. 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.

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. Pay with KBZPay at Pro 1 and enjoy Coupon and Cashback Campaign period is from 19th January, 2024 to 21st January, 2024.
2. In order to participate in this Campaign, KBZPay Customers need to be KBZPay Level 1.5 or 2 and if Level 1 Customers want to participate in the Campaign, Customers will need to upgrade Customers KBZPay Level to KBZPay Level 1.5 or 2 successfully.
3. The purpose of this Campaign is to receive 3,000 Ks Discount Coupon and extra Cashback when the KBZPay Customers scan the KBZPay QR Code and make payments at Pro 1 shops.
4. Discount Coupons will be credited directly to the KBZPay app “My Coupons” under “My Profile” of eligible participants in this Campaign and Cashback will be credited directly to the KBZPay Wallet account of eligible participants in this Campaign. The Discount Coupons and Cashbacks credited timeline may be varied in the event outside the control of KBZ Bank. Discount Coupons will expire after 11:59PM, 21st January of receiving those Coupons and Customers can reuse these for purchasing through KBZPay QR Scan payment at Pro 1 shops before the expiration date.
5. Customers need to share Discount Coupon to their social media to activate to use it.
6. Cashback Amounts are as follows,

Regardless of the  Cashback amount or Discount Coupon shown above, if the Discount Coupon specified by KBZPay for this Campaign period is reached “Thank You” will be returned and if the  Cashback amount specified by KBZPay for this Campaign period is reached for any payment exceeding 200,000 Kyats, “Thank You” will be returned.

7. To participate in this Campaign, Customers need to purchase and pay with QR Code a minimum amount of 200,000 Kyats per transaction to get Cashback and only Discount Coupons are available to use for under 200,000 Kyats per transaction. Cashback and Discount Coupon are not available for purchases pay with another payment method other than paying with QR Code of Pro 1.
8. Participants in this Campaign will be entitled to receive one (1) Discount Coupon for one KBZPay account during the Campaign period and one (1) Cashback at Pro 1 stores for specified purchase payments.

9. During this Campaign period, KBZPay Level  1.5 and Level 2 Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Campaign period.
10. Customers can learn about Campaign starting from 18th January 2024, from Campaign page under KBZPay Application. Cashback and Discount Coupons can be claimed starting from 19th January 2024. 
11. If there any issues arise between Customers and Pro 1 such as exchange or refunds will be dealt with by Pro 1 and Customer.
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 to ask for OTP, PIN, or KBZPay Account information.
14. 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.
15. 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.
16.  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.
17.  Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
18.  All normal KBZPay Terms and Conditions and Terms and Conditions for Pro 1 shops 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 and Pro 1 shops 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. KBZPay QR Week Program takes place on 20th January, 27th January and 3rd February, 10th February 2024 (Four Saturdays).
2. In order to participate in this Program, KBZPay Customers need to be KBZPay Level 1.5 or KBZPay Level 2 and if KBZPay Level 1 Customers want to participate in the Program, they will need to upgrade their KBZPay Level to  KBZPay Level 1.5 or KBZPay Level  2 successfully. Moreover, KBZPay application version has to be 5.1 and above.
3. The purpose of this Program is for KBZPay Level 1.5 and Level 2 Customers to get a chance to open gift boxes and win rewards such as Cashbacks by making purchases at Merchants’ shops every Saturdays and Pay with KBZPay by scanning Merchant’s KBZPay QR (or) with Customer Present QR (or) manually adding shortcode of merchant’s shop (or) Own Scan (Micro Pay).
4. It will be eligible for the first payment of 30,000 Kyats or more, and also payments by scanning the KBZPay QR Code of the Merchant (or) with Customer Present QR (or) pay to merchant with shortcode (or) Own Scan (Micro Pay) and will randomly get a chance to open a gift box per KBZPay account in a day until the limited gift boxes remain. 
5. One KBZPay Account can only be able to receive only one gift box per day. Customers will be able to get their ashback instantly and directly to KBZPay wallets of eligible Customers in this Program and it can be checked under “History”. Cashback rewards are
   • 100Ks Cashback
   • 200Ks Cashback
   • 500Ks Cashback
   • 1,000Ks Cashback
   • 100,000Ks Cashback
   • Thank you
6. During this Program period, KBZPay Customers will be entitled to enjoy benefits stated in these Terms and Conditions, which will expire at the end of this Program period. 
7. Customers can participate in this Program via KBZPay app banners, notifications, and KBZPay Official Account articles.
8. KBZ employees will never ask the participants in the Program to ask for OTP, PIN, or KBZPay Account information.
9. Customers are strictly forbidden to cheat in any other form or manner during this Program. KBZPay has the right to cancel and/or ban any Customer who is suspected to be cheating in any form and/or manner.
10. In the event of any dispute arising between KBZPay Customers and KBZPay regarding this Program, 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 Program and the benefits or features regarding this Program 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 Program for some reasons and/or variation to these Terms and Conditions without giving any notice.
13. All normal KBZPay Terms and Conditions and the Terms and Conditions of the Merchants’ shops apply.
14. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
15. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
16. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

1. Pay with KBZPay at Shwe Nar Sin to Enjoy Cashback Campaign period is from 12th January, 2024 to 21st January, 2024.
2. In order to participate in this Campaign, KBZPay Customers need to be Level 1.5 or 2 and if Level 1 Customers want to participate in the Campaign, Customers will need to upgrade Customers KBZPay Level to KBZPay Level 1.5 or 2 successfully.
3. The purpose of this Campaign is to get a chance to spin wheel by entering to KBZPay Campaign page and receive cashback when the Customers make the payments with KBZPay via Shwe Nar Sin Application.
4. Cashback will be credited directly to the Customer’s KBZPay Wallet account of eligible participants in this Campaign. The Cashback credited timeline may be varied in the event outside the control of KBZ Bank.

5. Cashback Amounts are as follows,

6. To participate in this Campaign, Customers need to purchase and pay with KBZPay a minimum amount of 1,050 Kyats per transaction. Cashbacks are not available for purchases under 1,050 Kyats and pay with another payment method other than paying with QR Code of Shwe Nar Sin.
7. Participants of this Campaign will get a chance to spin the wheel to receive cashback with one device per day. 
8. During this Campaign period, KBZPay Level  1.5 and Level 2 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 articles. 
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 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.
12. 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.
13.  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.
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 and Terms and Conditions for Shwe Nar Sin Application  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 and Shwe Nar Sin Application 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. ‘New Year Prediction with Min Thein Kha’ Campaign period is from 11th January 2024 to 24th January 2024.
2. In order to participate in this Campaign, KBZPay Customers need to be Level 1.5 or Level 2 and if Level 1 Customers want to participate in the Campaign, they will need to upgrade their KBZPay Level to KBZPay Level 1.5 or 2 successfully.
3. The purpose of this Campaign is for Level 1.5 and Level 2 Customers to get one chance unveiling new year prediction and one Min Thein Kha Coupon for free upon the next purchase of Min Thein Kha services. 
4. During the Campaign period, one KBZPay Customer can get one chance unveiling new year prediction and one Min Thein Kha Coupon (until the Coupons are available) from the KBZPay Blue Application.
5. The Discount Coupons amount of Min Thein Kha will be randomly offered and are as below:
   • 500Ks worth Discount Coupon
   • 800Ks worth Discount Coupon
   • 1,000Ks worth Discount Coupon
   • 1,500Ks worth Discount Coupon
6. KBZPay Customers will receive the Discount Coupon that can be checked under ‘My Coupon’ inside the KBZPay app.  
7. The purchased amount of Min Thein Kha services must be more than Discount Coupon amount when redeeming the Discount Coupon received.
8. The Discount Coupons will expire after (3) days of receiving those Coupons and Customers can reuse these for purchasing any services of Min Thein Kha through KBZPay before the expiration date.
9. One Discount Coupon is eligible for one time purchase and Customers can use only one Coupon for their purchase. 
10. Customers are required to upgrade the KBZPay app to the 3.0.3 version in order to participate in the Campaign.
11. 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 8 if the Customer received the Coupons on the last day of the Campaign.
12. KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or Account information.
13. 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.
14. 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.
15. 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.
16. Customer acknowledges and agrees that there is no right to receive any compensation as a result of cancellation or termination of this Campaign for some reasons and/or variation to these Terms and Conditions without giving any notice.
17. All normal KBZPay Terms and Conditions and Min Thein Kha Terms and Conditions apply.
18. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
19. KBZ reserves the right to revise initiatives introduced in response to COVID-19 and natural disasters or force majeure events at any time, as the situation evolves. KBZ will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.
20. These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between two versions, the Myanmar version shall prevail.

1. The “KBZPay Kyo Phyae” Campaign period is from 2nd to 31st January 2024.
2. This Campaign is exclusively available to KBZ Payroll Customers and KBZ Bank employees who have  KBZPay Level 2 accounts for more than 6 Months.
3. To participate in this Campaign, you need to make a minimum Top-up Amount of 3,000 MMK with KBZPay within 90 days.
4. Throughout the Campaign duration, you can get a 1,000 MMK  KBZPay “Kyo Phyae” emergency phone bill loan and repay it after the 7-day grace period, with no service fee of 60 MMK.
5. During this Campaign period, KBZPay “Kyo Phyae” available emergency phone bill loans are 1,000 MMK(service fee 60MMK), 2,000 MMK (service fee 90 MMK), and 3,000 MMK (service fee 120MMK).
6. After getting a KBZPay “Kyo Phyae” emergency phone bill loan, you will be entitled to receive free service fee of 60 MMK, but only if you repay it within 30 days.
7. For designated KBZ Payroll Customers and KBZ Bank employees, emergency phone bill loan amounts of 1,000 kyats, 2,000 kyats, and 3,000 kyats are available, respectively, subject to eligibility criteria.
8. If the eligible Customer has obtained the KBZPay “Kyo Phyae” service during the Campaign period, such Customers will have the privilege of waiving a 60 MMK service fee for their repayment, and this right can only be available one time within the Campaign period.
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. Customers can participate in this Campaign via KBZPay app banners, notifications, KBZPay Official Account articles, and invitation links from social media. 
11. KBZ employees will not contact participants in the Campaign to ask for OTP, PIN, or KBZPay Account information.
12. 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.
13. 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.
14. 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.
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.