KARTY KPoints Bonus Campaign
Terms and Conditions
Campaign period: 1 October 2026 to 31 December 2026
Last updated: 01st October 2026
1. ABOUT THESE TERMS
1.1 These terms govern the KARTY KPoints Bonus Campaign (the "Campaign") operated by KARTY L.L.C. ("KARTY", "we", "us"). They supplement, form part of and must be read together with the KARTY KPoints Rewards Programme Terms and Conditions (the "Programme Terms") and the KARTY Terms and Conditions (the "Master Terms").
1.2 In respect of the Campaign, the following order of precedence applies: (a) these terms; (b) the Programme Terms; and (c) the Master Terms. Everything in the Programme Terms that these terms do not change continues to apply, including the minimum transaction value, the excluded transactions and merchant category codes, the rules on adjustment and reversal, and the provisions on misuse and fraud.
1.3 Words defined in the Programme Terms or the Master Terms have the same meaning in these terms.
1.4 These terms are published in the KARTY App. Any description of the Campaign in marketing or promotional material, including its name and any headline, is a short summary only. These terms govern what you will actually earn, and they prevail over any such material.
1.5 Taking part in the Campaign constitutes acceptance of these terms, the Programme Terms, the Master Terms and our Privacy Policy.
2. CAMPAIGN PERIOD AND MONTHLY CYCLES
2.1 The Campaign runs from 1 October 2026 to 31 December 2026 (inclusive).
2.2 The Campaign runs as three separate monthly cycles. Each of October 2026, November 2026 and December 2026 is a "Qualifying Month" and is assessed on its own.
2.3 Your monthly total resets to zero at 00:00 Arabia Standard Time (UTC+3) on the first day of each Qualifying Month. KPoints counted towards one Qualifying Month do not carry forward to another. If you do not reach a threshold in a Qualifying Month, you do not earn a bonus for that month and the next month begins again from zero.
3. WHO CAN TAKE PART
3.1 The Campaign is open to Customers who meet the eligibility requirements in clause 2 of the Programme Terms, namely an active and verified KARTY account and an active KARTY Card, each in good standing.
3.2 No registration is required. Eligible Customers take part automatically.
4. HOW THE MONTHLY BONUS WORKS
4.1 In these terms:
a) "Qualifying Month" means each of October 2026, November 2026 and December 2026, each of which is assessed separately;
b) "Qualifying KPoints" means KPoints earned on Eligible Transactions under the Programme Terms and attributable to a Qualifying Month in accordance with clause 5.4, but excluding Bonus KPoints and any KPoints earned under any other promotion or campaign; and
c) "Bonus KPoints" means the additional KPoints credited to you under this clause 4 for reaching a threshold in a Qualifying Month.
If your Qualifying KPoints for a Qualifying Month reach a threshold set out in the table below, we will credit you the corresponding number of Bonus KPoints for that Qualifying Month. You will receive the bonus KPoints on reaching the threshold.
Qualifying KPoints in the month
Bonus KPoints -3,000 to 5,999 -> First Bonus KPoints: 1,500
Bonus KPoints -6,000 or more ->Additional Bonus KPoints: 1,500
4.2 On achieving the qualifying threshold the bonus KPoints will be credited to your KARTY wallet
4.3 KPoints you earn above the upper threshold continue to be credited at the applicable earn rate under the Programme Terms, but do not generate any further bonus.
4.4 The maximum Bonus KPoints payable to a Customer is 3,000 in any Qualifying Month and 9,000 across the Campaign as a whole.
4.5 Bonus KPoints are not Qualifying KPoints. They do not count towards the threshold in the Qualifying Month in which they are credited, or in any other Qualifying Month.
5. WHAT COUNTS TOWARDS YOUR MONTHLY TOTAL
5.1 A transaction counts only if it is for at least QAR 10, is made with an active KARTY Card, has been successfully authorised and has settled, and is not excluded under clause 4 of the Programme Terms. Transactions under Merchant Category Codes 4121, 5541 and 5542, cash and quasi cash transactions, and the other exclusions in clause 4 of the Programme Terms do not count towards your monthly total and do not earn Bonus KPoints.
5.2 The earn rates in the Programme Terms apply during the Campaign and are not changed by it. Where a different earn rate applies to transactions in a particular region, that rate applies and the KPoints earned at that rate still count towards your monthly total. For transactions in Europe and the United Kingdom, the applicable rate is 1 KPoint for every QAR 6.
5.3 Whether a transaction falls within a Qualifying Month is determined by the Transaction Date received from the payment network, and not by the date on which the KPoints are credited to your balance. KPoints credited to your balance in one month may therefore count towards the previous month.
5.4 Bonus KPoints, and KPoints earned under any other promotion, campaign or KARTY Challenges, do not count towards your monthly total.
6. WHEN BONUS KPOINTS ARE CREDITED
6.1 Bonus KPoints for a Qualifying Month are normally credited within 3 Business Days after the qualification threshold is met.
6.2 Crediting times are indicative. We are not liable for any delay in, or failure of, crediting arising from settlement timing, payment network processing, system availability or any other cause outside our reasonable control, and no such delay entitles you to any claim or compensation.
6.3 You must still meet the eligibility requirements in clause 3 at the time the Bonus KPoints are credited.
7. ADJUSTMENTS, REVERSALS AND MISUSE
7.1 If a transaction that counted towards your monthly total is later refunded, reversed, cancelled, disputed or charged back, the KPoints earned on it are removed in accordance with clause 5 of the Programme Terms and your monthly total is recalculated
If, following recalculation, your monthly total falls below a threshold you had reached, we may reverse or reduce the corresponding Bonus KPoints, including after they have been credited. Clause 5.2 of the Programme Terms applies where your balance is not sufficient to cover the reversal.
7.2 Clause 9 of the Programme Terms applies to the Campaign. We may in addition withhold, reduce, reverse or cancel Bonus KPoints and disqualify a Customer from the Campaign where we reasonably believe the Campaign has been misused, including where transactions are carried out for the purpose of reaching a threshold rather than for a genuine purchase.
7.3 Our records are, in the absence of manifest error, prima facie evidence of Qualifying KPoints and of Bonus KPoints earned.
8. GENERAL
8.1 Once credited, Bonus KPoints are ordinary KPoints and the Programme Terms apply to them in the same way as to any other KPoints, including the provisions on redemption, expiry and account closure.
8.2 There is no cash alternative to Bonus KPoints. KPoints have no cash value and are not money, electronic money or stored value.
8.3 We may amend, suspend, extend or terminate the Campaign at any time, subject to any notice required under the Master Terms or applicable law.
8.4 We are not liable for any delay or failure to perform arising from circumstances beyond our reasonable control.
8.5 The limitations and exclusions of liability in the Master Terms apply to the Campaign. Nothing in these terms excludes or limits any liability that cannot be excluded or limited under applicable law.
8.6 Personal data processed in connection with the Campaign is handled in accordance with the Master Terms and our Privacy Policy.
8.7 These terms are governed by the law stated in clause 28 of the Master Terms, and any dispute is subject to the jurisdiction stated in that clause, subject to the complaints and escalation provisions of the Master Terms.
8.8 If you have a question about the Campaign, please contact us through the support section of the KARTY App or at support@karty.qa.