Share over 60 Million MMK pocket money from KBZPay this Christmas Campaign – Terms & Conditions

  1. ‘Share over 60 Million MMK pocket money from KBZPay this Christmas’ Campaign is from December 21,2021 to December 25,2021. All levels of KBZPay  Customers can participate in the Campaign by collecting 5 pieces of  Christmas decorations before the pocket money opening days of 23,24,25th December, 2021. 
  1. The purpose of “Share over 60 Million MMK pocket money from KBZPay this Christmas ” Campaign is for all levels of KBZPay Customers to enjoy pocket money and get Special Merchants’ Discount Coupons during the Christmas . 
  1. During the Campaign period, Customers need to collect 5 pieces of Christmas decorations to open the pocket money. 
  1. While collecting the Christmas decorations,  Customers can get Discount Coupons, as some Christmas decorations   include one Special Merchant Discount Coupon that can be used for online/offline Merchant payment at specific Merchants. 

 In order to get the Discount Coupons – After receiving the Christmas decorations, Customers can see their collected Christmas decorations in the Campaign page  and get the scratch cards by flipping their collected Christmas decorations . Customers will then need to scratch the card to claim the specific Merchant Discount Coupons. Customers can check their Coupons in “My Coupons” under “My Profile”. 

  1. Each Christmas decoration represents one specific Merchant Coupon and KBZPay’s Merchant Coupons.If the Customers  get special Merchants Coupons,  the Coupons can only be used at the respective Merchant outlets.
  1. Each Christmas decoration  with respective Merchant Coupons are as follows,
  • Blue Decoration represents the ERKE  Discount Coupons that can only be used at ERKE outlets. 
  • Green Decoration  represents KBZPay Discount Coupons and the Coupons can be used for buying data packages, gift cards, and making online/offline Merchant payments at KBZPay Merchant stores. 
  • Yellow Decoration represents the SP Bakery  Discount Coupons that can only be used at SP bakery  outlets. 
  • Purple Decoration represents the Medicare  Discount Coupons that can only be used at Medicare outlets. 
  • Red  Decoration represents the Anycall  Discount Coupons that can only be used at Anycall outlets. 
  1. Customers who opened KBZPay during the Campaign period will only be able to use the Discount Coupons when the registration review process is complete. 
  1. When the Customers share extra decorations to their friends, the scratch cards on the back side of the decoration  will also be sent together with the decorations , if the senders  have not scratched the cards on the back side of the decoration.

If the Customers send the decorations to their friends after scratching the cards and claiming the Coupons, the receivers will only receive the decorations 

  1. In order to open the pocket money, Customers need to collect at least one colour of decoration. To get more shares of pocket money, Customers need more sets of 5 colorful Christmas decorations as one set , two sets, three sets, etc. 
  2. Once the Customers opened the pocket money with their collected set of decorations, all the collected set decorations will be used and Customers will need to collect the set of Christmas decorations from the beginning to open the pocket money in the next round. 
  1. Customers can collect the Christmas decorations by carrying out the following activities – 
  • Customers can invite a new user (unregistered user) to register to KBZPay app successfully and participate in the Campaign, to get one random decoration. In this scenario, the inviter will get 1 random decoration for each invitee until 2 new invitees, and the inviter will get 1 rainbow decoration, that can change into any kind of colour among 5 colors decoration, for the 3rd additional invitee. i.e Inviter will get one rainbow decoration for completing every 3 invitees successfully joined.Also, each invitee will get 1 rainbow decoration . 
  • In KBZPay 5.x Version and above, Customers can get one random decoration per day for browsing  KBZPay Official Account’s Christmas Pocket Money Campaign articles.
  • Customers can share the Campaign with their friends, to get one random Christmas decoration  per day.
  • In KBZPay 5.1 version and above, Customers can get one random Christmas decoration per day by adding  KBZPay Market goods into their wishlist or shopping cart. For this task, Customers need to click this task in the Campaign page to be led to the KBZPay Market. After that, Customers can get a random Christmas decoration, when they come back to the Campaign page. 
  • Customers can get one random Christmas decoration per day by doing airtime top up ( minimum 5,000 MMK)  with KBZPay. 
  • Customers can get one random decoration per day by buying a gift card ( minimum 4,500 MMK).


  1. Each Customer can get a maximum of 30 Christmas decorations per day, and a maximum of 90 decorations  for the whole Campaign period. 
  1. Customers can send their collected decorations to their friends via Social applications, and also can receive the decorations  from their friends. 
  1. Customers can open the pocket money on 23, 24, 25 of December at8 PM. Customers need to collect at least one Christmas decoration at 7:30 PM  before the pocket money opening time to open the pocket money. Pocket money prizes may vary based on the quantity of Christmas decorations set. 
  1. After opening the pocket money, existing Customers and new users will get   the pocket money into their KBZPay wallet account in at least 30 minutes. In order to make transactions, users who are newly registered at KBZPay app need to wait until the registration process is complete.  If the KBZPay team found KYC (user information) issues, KBZ reserves the rights to cancel/terminate  the newly registered account and reclaim the pocket money from the accounts. 
  1. Even though Customers can open Pocket Money via website login, Customers need to open a KBZPay account with correct information by downloading the app within 7 days after getting the pocket money. If the Customers do not open a KBZPay account within 7 days, the KBZPay reserves the right to reclaim the Pocket money from their KBZPay wallet accounts. 
  1. Pocket Money giveaway will be first come first serve only. As it is first come first serve basis, Customers are encouraged to log in to their KBZPay Account prior to the start of the Campaign to get the chance to open the KBZPay Pocket Money.
  1. Customers who keep collecting more pairs of Christmas decorations and inviting more new users will get more shares of pocket money. 
  1. If the Customers who have completed a pair of  5 Christmas decorations  did not open the pocket money on the pocket money opening days at 8:00 PM, they will need to wait for the next round to open the pocket money. 
  1. Inviters can also get extra bonus by daily ranking list counted by numbers of invitees who successfully register to KBZPay App and join the Campaign. The rewards for daily ranking are as follows- 
  • 1st on daily ranking list – 100,000 MMK
  • 2nd on daily ranking list – 50,000 MMK
  • 3rd on daily ranking list – 30,000 MMK
  • 4th to 10th on daily ranking list – 10,000 MMK
  • 11th to 50th on daily ranking list – 5,000 MMK
  • 51st to 100th on daily ranking list -3,000 MMK 

Customers will receive the daily ranking list rewards  into their KBZPay Wallet Accounts within 7 working days  after the end  of the Campaign period . Although it is stated as 7 working days , KBZ Bank reserves the right to modify such time without prior notice to the Customer in the event outside the control of KBZ Bank. 

  1. Customers can get one specific Merchant Discount Coupon by having one decoration that can be used for online/offline Merchant payments at specific Merchant outlets via KBZPay app.If the customers get KBZPay merchant discount coupons, customers can use those at any KBZPay’s merchant stores and online payments. 

 In order to use the Coupons, the purchase amount should be higher than that of the Coupon amount. 

  1. Coupons will expire after 14 days of receiving those Coupons and can be used at KBZPay Merchants. 
  1. During this Campaign period, KBZPay Customers will be entitled to enjoy benefits stated in these terms and conditions, which will expire at the end of this Campaign period. Notwithstanding the Clauses herein, Customers can enjoy the Coupons within 14 days as stated in Clause 22, if the Customer received the Coupons on the last day of Campaign.
  1. KBZ employees will not contact participants in the Campaign to ask for OTP, PIN or Account information of Customers participating in this Campaign.
  1. KBZPay 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.
  2. Any dispute arises between the KBZPay Customers and KBZPay, if any, will be at the sole discretion of KBZ.
  3. Customers shall not be entitled to any indemnity as a result of such unilateral cancellation and / or on variation in these terms and conditions.
  1.  KBZ reserves the right, at any time, for any reason and without any prior notice, to terminate and/or cancel and/or vary its benefits or features, and/or vary, add to or delete any of the terms and conditions.
  1. All normal KBZPay terms and conditions apply.
  2. These terms and conditions shall be governed by and construed in accordance with the laws of the Republic of the Union of Myanmar.
  3. 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.
  4. 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.

(To participate in the Campaign, Customers need to upgrade their KBZPay latest version)