End of Summer Sale Campaign Terms and Conditions

1. Overview

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Summer spend adds up fast: flights, dinners out, last-minute shopping, and weekend trips.

That’s why eligible KAST users can earn 5% cashback on select Shopping, Dining, and Travel purchases from 13 August 2026 to 30 September 2026 as part of the End of Summer Sale Campaign.

The Campaign covers eligible KAST Card payments across:

• Travel — flights, hotels, transport, car rentals, and more
• Dining — restaurants, cafés, bars, fast food, and more
• Shopping — fashion, electronics, beauty, gifts, department stores, and more

Eligibility is based on the merchant category code (MCC) assigned when the transaction is processed. A merchant’s classification may differ from its advertised business type. Qualifying purchases earn 5% cashback, capped at a maximum Campaign reward of USD 100 per person — equivalent to USD 2,000 in eligible Campaign spend — subject to verification, local restrictions, account standing, and these Terms and Conditions.

Whether you are booking a trip, heading out for dinner, or shopping for something new, use your KAST Card during the Campaign Period to make your summer spend count.

2. Reward details

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Eligible participants may earn 5% cashback on qualifying KAST Card transactions in eligible Shopping, Dining, and Travel merchant categories during the Campaign Period, capped at a maximum Campaign reward of USD 100 per person.

At the 5% rate, a person reaches the maximum reward after USD 2,000 in eligible Campaign spend. Eligible spend above USD 2,000 will not earn additional cashback under this Campaign.

The USD 100 per-person Campaign cap applies regardless of KAST membership tier. Any lower applicable account or program limit continues to apply.

The Campaign has an internal campaign budget cap of USD 100,000 incremental burn. Rewards are limited and not guaranteed. KAST may monitor Campaign spend and cashback liability during and after the Campaign Period.

3. Eligibility

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• Eligible jurisdictions: Global, subject to local legal, regulatory, product, and availability restrictions. Confirm final jurisdiction availability with Legal before publication.
• KYC requirement: Participants must have completed all required identity verification and onboarding requirements before the end of the Campaign Period.
• User segment: Eligible KAST users globally with a valid KAST account in good standing and an eligible KAST Card.
• Minimum activity: Participants must complete eligible Shopping, Dining, or Travel spend using an eligible KAST Card during the Campaign Period.
• Account standing: Participants must maintain their KAST account in good standing through the date rewards are distributed.
• Card requirement: Transactions must be made with an eligible KAST Card and must not be reversed, refunded, disputed, charged back, fraudulent, cash-like, or otherwise ineligible.

4. How to participate

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1. Sign up or log in to the KAST app.
2. Ensure your KAST account has completed all required identity verification and onboarding requirements.
3. Use an eligible KAST Card between 00:00 UTC on 13 August 2026 and 23:59 UTC on 30 September 2026.
4. Spend with merchants categorized under eligible Shopping, Dining, or Travel merchant category codes.
5. If eligible, receive 5% cashback after the Campaign ends, capped at USD 100 per person — equivalent to USD 2,000 in eligible Campaign spend — and subject to verification, exclusions, and these Terms and Conditions.

Participation is automatic for eligible users who complete qualifying transactions during the Campaign Period, unless KAST separately requires an opt-in in the app, campaign banner, email, or other Campaign communication.

5. Campaign-specific rules

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• Eligible spend is based on the merchant category code (MCC) assigned to the merchant at the time the transaction is processed.
• Merchant classification is determined by the merchant’s acquiring bank, payment network, or relevant payment processor and may differ from the merchant’s advertised business type.
• Eligible categories are Travel, Dining, and Shopping, using the MCCs listed below.
• Eligible cashback rate is 5% on qualifying spend during the Campaign Period.
• Campaign cashback is capped at USD 100 per person, regardless of membership tier.
• At 5%, only the first USD 2,000 of eligible Campaign spend per person can earn Campaign cashback. Any lower applicable account or program limit continues to apply.
• Transactions that are reversed, refunded, disputed, charged back, fraudulent, cash-like, or otherwise ineligible do not count toward this Campaign.
• KAST may exclude transactions if it reasonably determines that the transaction does not represent genuine eligible spend.
• KAST may withhold, reverse, or claw back cashback if a transaction is later refunded, reversed, disputed, charged back, found to be fraudulent, or otherwise determined to be ineligible.
• KAST may disqualify users who abuse, manipulate, or attempt to circumvent Campaign mechanics.
• Rewards will be credited after the Campaign ends, subject to verification and compliance checks.
• KAST’s records and determinations regarding eligibility, merchant category classification, qualifying spend, reward calculation, reward distribution, and Campaign abuse are final and binding, subject to applicable law.

By participating in this Campaign, including by completing any qualifying action described on this page, using your KAST Card for eligible spend, 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.

6. Eligible merchant categories

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Eligible transactions must fall within one of the following merchant category groups at the time the transaction is processed.
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Travel MCCs

Dining MCCs

Shopping MCCs

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Important Information

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• Participation in this campaign (the “End of Summer Sale 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.