KAST Referral Program August to September

1. Overview

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Refer qualified friends to KAST during the Campaign Period. For each friend who qualifies, you receive a $20 standard referral reward and the friend receives $20, subject to the KAST Rewards Program. For each complete set of 2 friends who qualify, you receive an additional $50 Campaign reward.

For every 2 friends who qualify, you receive $90 total: $40 in standard referral rewards plus the $50 Campaign reward. Each friend receives $20. This reward cycle repeats for every additional pair of qualified friends during the Campaign Period. Only eligible Travel, Dining, and Shopping purchases count toward each friend's $100 spend target.

Participation and all rewards are subject to KAST Rewards Program eligibility, account status, market availability, and verification.

This serves as a general notice. Please be aware that specific offerings or products mentioned may be restricted in certain jurisdictions.

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2. Reward details

• The $50 Campaign reward is paid for each complete set of 2 qualified friends.
• One unpaired qualified friend does not earn an additional $50 Campaign reward. Standard referral rewards may still apply when their separate requirements are met.
• Each additional complete pair of qualified friends unlocks another $50 Campaign reward.
• Standard referral rewards and the Campaign reward may be processed separately.
• Distribution window 1: Qualifying Campaign activity completed through September 12, 2026 will be reviewed and processed during the week of September 14, 2026.
• Distribution window 2: Remaining qualifying Campaign activity completed from September 13 to September 30, 2026 will be reviewed and processed after the Campaign ends.

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3. Eligibility

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• KYC requirement: The participant and each referred friend must complete KAST identity verification and any applicable onboarding requirements before the end of the Campaign Period.
• User segment: Existing KAST users with an account in good standing who are eligible for the KAST Rewards Program and this Campaign.
• Minimum activity: For each $50 Campaign reward, refer a complete set of 2 eligible friends through your unique referral link. Each friend must reach at least $100 in eligible Travel, Dining, or Shopping spend, net of refunds, during the Campaign Period.
• Category restriction: Purchases outside eligible Travel, Dining, and Shopping merchant categories do not count toward the $100 target.
• Market eligibility: The Campaign uses one reward mechanic globally, subject to KAST Rewards Program eligibility and market availability.
• Internal verification: The participant and referred friends must pass all applicable KAST eligibility, compliance, risk, fraud, and verification checks.

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4. How to participate

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Participation is automatic when you use your KAST referral link. No separate Campaign opt-in is required.

1. Sign in to the KAST app and open the referral page.
2. Share your unique referral link with eligible friends during the Campaign Period.
3. Each friend must register through your link and complete KYC.
4. Each friend must reach at least $100 in eligible Travel, Dining, or Shopping spend, net of refunds, during the Campaign Period.
5. Each qualified friend may earn a $20 standard referral reward for you and a $20 reward for themselves, subject to the KAST Rewards Program.
6. Each time a complete set of 2 friends qualifies and KAST completes its review, you receive an additional $50 Campaign reward.

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5. Campaign-specific rules

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• Campaign reward: The Campaign reward is an additional $50 paid to an eligible participant for each complete set of 2 referred friends who qualify during the Campaign Period.
• Standard referral rewards: Each qualified friend may generate a $20 standard referral reward for the participant and a $20 reward for the friend, subject to the KAST Rewards Program.
• Qualified referral: A referred friend must be a new eligible KAST user, register through your unique referral link during the Campaign Period, complete KYC, reach at least $100 in eligible Travel, Dining, or Shopping spend, net of refunds, meet KAST Rewards Program eligibility, and pass KAST's verification checks.
• Eligible spend: Completed KAST Card purchases in eligible Travel, Dining, or Shopping merchant categories during the Campaign Period. Purchases in other categories do not count toward the $100 target. Merchant eligibility is based on the category assigned by the relevant payment network or processing partner.
• Net spend: Refunds, chargebacks, reversals, cancellations, and authorization holds do not count. If a purchase is later refunded or reversed, KAST may remove it from qualifying spend and adjust, withhold, or reclaim the related reward.
• Excluded activity: Cash withdrawals, deposits, transfers, fees, purchases outside eligible categories, and transactions identified as fraudulent, manipulated, circular, artificial, or otherwise ineligible do not count.
• Referral attribution: Each friend may count once. Incomplete, duplicate, self-referred, incorrectly attributed, or otherwise ineligible referrals do not count.
• Campaign reward frequency: The $50 Campaign reward may be earned multiple times during the Campaign Period, once for each complete set of 2 qualified friends.
• Additional referrals: Additional qualified referrals may continue to earn standard referral rewards where applicable. Every additional complete pair of qualified referrals unlocks another $50 Campaign reward.
• Separate campaign benefits: Any End of Summer Sale cashback follows that campaign's separate eligibility rules, categories, cap, and terms.
• Review and processing: All Campaign rewards are subject to final verification. KAST may delay, withhold, adjust, reverse, or reclaim a reward where eligibility is not met, a transaction is refunded or reversed, abuse is suspected, an account is restricted, or a tracking error occurs.
• By participating in this Campaign (including by registering for the Campaign, completing any qualifying action described on this page, claiming or redeeming any Campaign reward, or otherwise taking any step that this page identifies as a means of participation), you agree to these campaign-specific rules and the terms set out in the “Important Information” section below.

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6. Eligible merchant categories

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Only transactions in the following merchant categories count toward the $100 spend target.

Travel MCCs

Dining MCCs

Shopping MCCs

Important Information

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• Participation in this campaign (the “Campaign”) is strictly optional.
• The Campaign is governed by the campaign-specific rules on this page, the KAST Reward Terms, and the KAST Platform Terms, KAST Privacy Policy, each of which is incorporated by reference. If there is any inconsistency, the campaign-specific rules on this page prevail, followed by the KAST Reward Terms and then the KAST Platform Terms, except where applicable law requires otherwise.
• To be eligible, you must hold a KAST account that has completed identity verification and all onboarding requirements before the end of the Campaign Period and maintain your account in good standing through the date rewards are distributed.
• The Campaign is not available in all jurisdictions and is void where prohibited.
• Rewards are limited and not guaranteed. KAST reserves the right to amend, suspend, or cancel the Campaign or its mechanics at any time at its sole discretion, subject to applicable law.
• Rewards will be credited by the distribution date stated on this page. Where a reward must be actively claimed, rewards not claimed by the stated deadline are forfeited without compensation. Where the campaign-specific rules impose a holding period, minimum balance, or continued subscription requirement, failure to maintain it may result in reversal or clawback of the reward as described in those rules.
• Transactions that are refunded, reversed, disputed or charged back do not count as qualifying activity, and KAST may deduct such amounts from your qualifying volume, including after a reward has been distributed.
• KAST will disqualify any participant, and may withhold, reverse, or claw back any reward, where it reasonably determines that the participant has engaged in fraud, misrepresentation, or abuse of the Campaign – including the use of multiple, shared, or coordinated accounts; self-dealing, wash, or offsetting transactional; refund or chargeback cycling; exploitation of an error in Campaign mechanics; or any other manipulation of the Campaign.
• KAST cards are issued pursuant to license from the applicable card network. The Campaign is offered by KAST alone and is not sponsored, endorsed, or administered by any card network or any bank or issuing partner.
• KAST’s determinations regarding the Campaign, including eligibility and reward calculation, are final and binding, subject to applicable law. Nothing in these terms excludes or limits rights you have under applicable consumer protection law that cannot be waived by agreement. If you have a complaint, contact KAST support through the app or website.
• If contradictions exist between this English text and any translations, the original English version shall prevail and serves as the definitive reference for accuracy.