KCB CARD REWARD CAMPAIGN TERMS AND CONDITIONS
A. This Agreement sets out the Specific Terms and Conditions ("Terms ") pursuant to which KCB Bank Kenya Limited (“KCB Bank”) intends to reward its Customers for using their KCB Cards for Eligible Transactions (the “Reward Campaign” or “Campaign”).
1.1 The Customer accepts and acknowledges that this is a legal and binding agreement between the Customer and the Bank once accepted by both parties.
1.2 “We,” “our,” and “us,” means the Bank and includes its successors in title and assigns.
1.3 "You" or "your" means the Cardholder or Participant, as applicable, and includes your personal representatives and heirs.
1.4 Words importing the singular meaning where the context so admits include the plural meaning and vice versa.
1.5 Headings in these Terms and Conditions are for convenience purposes only and they do not affect the interpretation of this Agreement.
B. 2.1 These Terms supplement and are to be read together with:
The applicable Terms and Conditions for the KCB Card used to result in an Eligible Transaction; and
2.2 The KCB Group Plc Data Privacy Statement available at https://ke.kcbgroup.com/data-privacystatement\ in effect from time to time.
The Terms governing the Campaign are as stipulated herein below:
1. Definitions
1.1 “Campaign Period” means the running period and applicable days of the promotion being from 15th October
2025 to 25th January, 2026.
1.2 “Cardholder” means any person who holds a KCB Card.
1.3 “Children” means the KCB Bank employee’s biological, adopted, step, or foster children, whether minors or adults, who are related by blood, adoption, or legal guardianship, and are recognized under the Children Act, 2022 and or the Law of Succession Act (Cap. 160).
1.4 “Eligible Transaction” means any payment transaction carried out at a point-of-sale (POS) terminal, through tap-to-pay functionality, via approved wearable devices, or through online platforms, but excludes ATM cash withdrawals.
1.5 “KCB Bank” or “KCB” means KCB Bank Kenya Limited, a company incorporated under the Companies Act licensed under the Banking Act to provide banking and financial services in the Republic of Kenya, whose address is post office Box Number 48400-00100, Nairobi including but not limited to its successors in title and permitted assigns (whether immediate or derivative).
1.6 “KCB Card” means any Visa, MasterCard, Union Pay or Pre-paid Card issued by KCB Bank.
1.7 “Participant” means a KCB Cardholder i.e. KCB debit, credit & pre-paid cards.
1.8 “Personal Data” or “Personal Information” means any information relating to an identified or identifiable natural person.
1.9 “Reward” means Weekly cash prizes of KES 10,000, monthly prizes of KES 100,000, and a grand prize wellcation
experience in Zanzibar.
1.10 “Spouse” means a person who is lawfully married to a KCB Bank employee under any system of marriage
recognized under the laws of Kenya, including civil, customary, religious, or statutory marriage, and as defined
under the Marriage Act, 2014.
1.11 “Wellcation” means a wellness-themed vacation or retreat offered as a prize under this Campaign, intended
to promote rest, relaxation, and personal well-being. It may include accommodation, spa treatments, fitness
or mindfulness activities, and other health-related experiences as determined by the Bank and its appointed
travel or wellness partners.
Regulated by the Central Bank of Kenya
1 of 4 www.kcbgroup.com SMS: 22522 0711 087 000 / 0732 187 000 [email protected]1.12 “Winner” means;
a) Weekly Prizes – Four (4) winners each week will receive Kshs. 10,000: the top two (2) customers by number of
Eligible Transactions and the top two (2) customers by value of Eligible Transactions.
b) Monthly Prize – One (1) winner each month will receive Kshs. 100,000, being the customer with the highest
cumulative value of Eligible Transactions for that month.
c) Grand Prize – The overall highest spender during the Campaign Period will win a luxury “dream destination”
wellcation experience for two (2), inclusive of flights, accommodation, and excursions.
1.13 We reserve the right to amend or vary these Terms or to terminate the Campaign at any time at our discretion
and your continued participation in the Campaign constitutes your agreement to be bound by the terms of
any such amendment or variation. In any of these events, notice will be given via SMS to the Cardholder and
will be effective immediately or as at the date referred in such notification.
1.14 Participants to the Campaign are required to keep themselves updated on the Terms of this Campaign. You
can access these and the most current version of these Terms from https://ke.kcbgroup.com/foryou any
amendment or modification to these Terms will take effect from the date of notification on the KCB website.
1.15 Termination of the Campaign will occur upon the lapse of the Campaign Period or at such earlier or later time
as determined by KCB Bank at its sole discretion, provided that, in the event of early termination, the Bank
shall provide at least 24-hour notice to Participants of such termination.
2. Campaign Eligibility
2.1 The Campaign is open to all Cardholders and Winners shall be determined based on transaction count and
value from the Participants by KCB Bank.
2.2 Employees of KCB Bank, together with their spouses and children, shall not be eligible to participate in the
Campaign.
2.3 ATM cash withdrawals shall not qualify as Eligible Transactions for the purposes of this Program.
3. Participation and Reward
3.1 3.2 All Cardholders will be automatically enrolled into the Campaign when they complete an Eligible Transaction.
Once a Participant completes an Eligible Transaction, and for each subsequent Eligible Transaction, they gain
entry to a pool (the “Pool”) from which the Winner will be chosen.
3.3 Winners will be selected based on the top customers by number of Eligible Transactions and the top customers
by value of Eligible Transactions as provided in Clause 1.4 above.
3.4 Once winners are identified, the Cash prizes shall be deposited in the Customer’s KCB Bank account linked;
a) To the specific KCB Debit Card used to complete the Eligible Transaction; or
b) In the case of Pre-paid Cards, credited to the Card available balance; or
c) In the case of Credit Cards, credited to the amount due for repayment under the Credit Card, such that the outstanding amount is lower by the value of the Reward
3.5 We may select additional reserve Participants to replace any Winners of the Campaign who are subsequently disqualified or decline to receive the reward.
3.6 A Cardholder can only win Once within the same category as provided for in Clause 1.12 during the Campaign Period.
3.7 The Reward is non-transferable, and no alternative shall be offered for the same.
3.8 The decision of KCB Bank on all matters relating to this Campaign is final.
4. Campaign Reward Notification
4.1 KCB Bank will make call attempt within a twelve (12) hour period to contact the winners via 0711012000. If you
do not answer any of the call attempts within the prescribed period and identify yourself, you will be deemed
to have forfeited the chance of being declared a Winner and receiving the Reward. We will thereafter call the
reserve number selected in 3.5 above.
4.2 For the avoidance of doubt, missed calls and calls diverted to voice mail will not be deemed to have been
answered, for purposes of the Campaign.
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2 of 4 www.kcbgroup.com SMS: 22522 0711 087 000 / 0732 187 000 [email protected]4.3 4.3.1 4.3.2 As part of the Reward Notification;
Weekly winners will be informed of their reward and provided an opportunity to accept or decline it. If
accepted, the reward amount will be disbursed as per Clause 3.4 and if declined clause 3.5 will apply;
Monthly and Grand Winners shall be notified of their reward by the Bank through their registered contact
details. Participation in a photo opportunity and signing of the reward and consent forms shall form part of
the award acceptance process;
4.3.2.1 Where a winner is located outside Nairobi or far from the main award location at Kencom House
(Moi Avenue-Nairobi, Kenya), the Bank shall facilitate a photo opportunity at the winner’s nearest branch or
another suitable location.
4.3.2.2 The reward shall be disbursed immediately after completion of the verification process, photo
opportunity, and signing of the requisite forms.
4.3.2.3 Failure or refusal to participate in the photo opportunity or to provide the necessary consent shall
be deemed a decline of the prize, and the Bank reserves the right to invalidate the award and select an
alternative winner in accordance with Clause 3.5
5. Disqualification
We reserve the right to verify the validity of Eligible Transactions and participation in the Campaign. Any Participant
found to be in violation of these Terms or any Terms and Conditions of any of their KCB Account or KCB Cards, or
engaging in any fraudulent activities, or tampering or otherwise reverse engineering the Campaign, including but not
limited to canvassing or submitting an entry that is not in accordance with these Terms will be disqualified.
6. Privacy and Data Protection
6.1 Collection of information
6.1.1 6.1.2 6.1.3 For the purposes of administering this Campaign, we will process certain categories of your personal data,
including but not limited to: Identification Data, Contact Data and Account and Transactional Data
necessary to verify eligibility, determine winners, and deliver prizes.
The lawful bases for processing this personal data are:
6.1.2.1 Contractual obligation: to verify your eligibility and enable participation in the Campaign.
6.1.2.2 Legitimate interest: to manage, operate and promote the Campaign, including awarding prizes.
Apart from the legal grounds mentioned above, we also need to collect your Personal Information for quality
service delivery. Please note that although this is voluntary, without such information we may not be able to
provide quality service or the Campaign.
6.2 Privacy
6.2.1 We are committed to respecting and protecting the privacy of the personal data we collect from you. The
KCB Bank Privacy Policy, as updated from time to time, explains how we treat your personal data, who we
share your personal information with, and measures taken to protect your privacy when you use our Services.
This can be found on KCB Group Plc Data Privacy Statement found on KCB’s Group Plc’s website
(https://kcbgroup.com/privacy-policy/ ). If unable to access the link or our website, please reach us on any of
our Customer Contact Centre channels as provided below to receive a copy.
6.3 Consent
6.3.1 6.3.2 6.3.3 Marketing Material: You may receive notifications or communications regarding the Campaign. However, no
additional marketing unrelated to the Campaign will be sent to you unless you have expressly opted in under
our standard marketing consent process.
Publication: Winners may be required to participate in publicity relating to the Campaign. Publication of
names and images will be subject to the winner’s consent, which will be sought separately at the point of
award.
Personal data collected and processed for purposes of this Campaign will be retained only for as long as
necessary to administer the Campaign, resolve any disputes, and comply with legal and regulatory
requirements.
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3 of 4 www.kcbgroup.com SMS: 22522 0711 087 000 / 0732 187 000 [email protected]6.3.4 6.3.5 6.3.6 Thereafter, such data will be securely deleted or anonymized in line with the Bank’s Data Retention Policy.
KCB Bank will take reasonable steps, including contractual and technical safeguards, to ensure that any third
parties engaged in administering this Campaign process personal data securely and in compliance with
applicable laws.
The Bank shall not be liable for any misuse of personal data by third parties acting outside the scope of their
engagement or beyond the Bank’s reasonable control.
7. Customer Contact Centre
7.1 7.2 7.3 7.4 7.5 Inquiries or complaints may be made in person, in writing, by post, email or by telephone.
For purpose of making an inquiry or reporting a complaint, any of the following contact channels may be used:
SMS number: 22522
WhatsApp number: +254711087087
Telephone: +254 711 087000/ +254 732 187000/ +254 20 2287000 Email:
[email protected].
You should bring your complaint to our attention with your contact information, and we will aim to deal with
any complaints promptly and fairly. A copy of our complaint’s procedure is available on request from any
branch or our Contact Centre.
We will take all measures within our means to resolve your complaints within a reasonable time. All complaints
will be handled in accordance with the Bank’s complaints handling procedures. Where a notification regarding
your complaint or any other matter is expected from the Bank but not received, you may make a further
complaint within a reasonable time after non-receipt of such notification.
Applicable tariffs will be charged by your telephone and internet service provider(s) when communicating with
the Customer Contact Centre.
8. Force Majeure
No party shall have any claim against the other party (the “Affected Party”) for any delay or failure by the Affected
Party to carry out any of its obligations under these Terms arising or attributable to acts of God, fire, epidemic,
pandemic, war, terrorism, labour action or unrest, failure of suppliers or contractors, law, government or regulatory
requirements, or any other cause whatsoever beyond the control of the Affected Party.
9. Exclusion of Liability
9.1 No responsibility will be accepted by KCB Bank for failed, partial or garbled computer data transmissions, for
the acts or omissions of any service provider, accessibility or availability of information or unauthorized human
act during the Campaign.
9.2 KCB Bank accepts no liability for the actions or decisions of Cardholders or Participants during and in relation
to the Campaign.
9.3 All warranties and obligations implied by law are hereby excluded to the fullest extent permitted by law.
10. Governing Law and Dispute Resolution
10.1 10.2 These Terms are governed by the Laws of Kenya, and any disputes will be subject to the Laws of Kenya.
Any dispute arising out of or in connection with this Agreement that is not resolved by Customer Contact
Centre representatives, shall be subject to mediation in Kenya before an independent mediator selected by
the parties for determination.
11. Other Terms and Conditions
11.1 11.2 These Terms constitute the entire agreement relating to the Campaign and supersede all other oral or written
representations, understandings, or agreements.
You may not assign these Terms and any rights or liabilities accruing hereunder to any other person.
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4 of 4 www.kcbgroup.com SMS: 22522 0711 087 000 / 0732 187 000 [email protected]
