A. CAMPAIGN
1. The Merchantrade Money – Thingyan Remittance Campaign (hereinafter referred to as “Campaign”) is organized by Merchantrade Asia Sdn Bhd [199601038238 (410591-T)] (hereinafter interchangeably referred as “Organizer” or “Merchantrade”).
2. By participating in this Campaign, you are be deemed to have read, understood and expressly agreed to be bound by the Terms and Conditions of this Campaign as stated hereunder and any additional terms and conditions as updated by the Organizer from time to time (hereinafter referred as “these Terms”).
B. CAMPAIGN PERIOD
3. The Campaign shall commence on 15 March, 2026 (12:00:01 AM, Malaysian Time) and shall automatically expire on 30 April 2026 (11:59:59 PM, Malaysian Time). (“Campaign period”)
C. ELIGIBILITY CRITERIA
4. This Campaign is open to :-
(a) All individual(s) from the age of 18 and above, who are registered holders of a valid Merchantrade Visa Prepaid Card (“Merchantrade Money”) and excludes any white label and co-brand cards issued by Merchantrade; and
(b) Subject to 4(a) above, Merchantrade Money customers who conduct remittance transactions via Merchantrade Money Mobile Application (“MM Remit”) specifically for remittance payout transactions to Myanmar through Kanbawza Bank (KBZ) Account credit channel or KBZPay wallet using funds in their Merchantrade Money e-wallet (“the Participant(s)”).
D. CAMPAIGN MECHANICS & REWARD FULFILMENT
5.1 During the Campaign Period, eligible Participant(s) will stand a chance to win a RM20.00 daily cashback, a RM500 *weekly cashback, and 3 grand prizes cashback worth RM2,500.00, RM1,500.00 or RM1,000.00 at the end of the Campaign. The details are as specified in Table A and Table B below.
Table A
| Type of Draw | Daily Lucky Draw (Random) | Weekly Lucky Draw (Random) | End of Campaign Lucky Draw – Grand prize (Random) |
| Number of Winners | 20 Winners daily | 2 Winners weekly | 3 Winners at the end of Campaign Period |
| Cashback amount | RM20.00 per Winner | RM500 per Winner | 1st Prize: RM2500.00 2nd Prize: RM1,500.00 3rd Prize: RM1,000.00 |
| Crediting of Cashback | Within T+1 after the daily draw | See Table B Below | On 1 May 2026 |
| Total Budget Allocated | RM18,800 | RM6,000 | RM5,000 |
TABLE B
Weekly Draw Cashback Crediting dates
| Weekly Draw | Cashback credited date |
| 15 March to 21 March 2026 (Week 1) | 22 March 2026 |
| 22 March to 28 March 2026 (Week 2) | 29 March 2026 |
| 29 March to 4 April 2026 (Week 3) | 5 April 2026 |
| 5 April to 11 April 2026 (Week 4) | 12 April 2026 |
| 12 April to 18 April 2026 (Week 5) | 19 April 2026 |
| 19 April to 30 April 2026 (Week 6) | 1 May 2026 |
5.2 All cashback reward will be credited to the respective winners’ Merchantrade Money e-wallet account(s). Winners will be selected at random, and the cashback will be credited in accordance to Table A and Table B above and from the date the remittance transaction was performed by the Participant(s).
5.3 Any remittance transaction by Participant that is cancelled, reversed, refunded, disputed, or deemed unsuccessful for any reason whatsoever during or after the Campaign Period shall be disqualified and will not be considered for eligibility, rewards calculation, or prize entitlement under this Campaign.
5.4 The Organizer will reach out directly to the winners via their registered mobile number or whatsapp.
5.5 Winners must maintain an active and valid Merchantrade Money Wallet account to receive the cashback.
5.6 The Organizer reserves the right to withhold, cancel, or revoke any reward if fraudulent activity, abuse, is detected or for any non-compliance with these Terms.
E. OTHER CONDITIONS
6. By accepting any prize, winners agree that the Organizer may request their participation in publicity activities, including photography, videography, interviews, and promotional appearances.
7. Winners grant the Organizer the right to use their name, photograph, likeness, and/or statements for advertising, marketing, and promotional purposes in any media without additional compensation, subject to the winners’ prior written consent.
8. Should any dispute arise, the decision by Organizer will be final. Organizer reserves the right to forfeit any offers or rewards based on its sole and absolute discretion.
9. The Organizer reserves its rights to make changes to these Terms. By reading these Terms, Participant(s) agrees to access Merchantrade’s website at https://www.merchantrademoney.com at regular times to view the Terms. This is to ensure that they are kept-up-date with any changes or variations made to the Terms. Participants(s) are encouraged to seek clarification from Organizer should any of the Terms not be fully understood.
10. The Organizer is not and shall not be held responsible for any delay, error or any other problems in the operation of this Campaign caused by or arising from breakdown, technical malfunction of any computer online system, servers or providers, computer equipment, software, failure of e-mail on account of technical problems and/or traffic congestion on the Internet and/or at any web site or the telecommunications service or a combination thereof, including injury or damage to the Participant(s) or to any other person’s computer or mobile phone related to and/or resulting from participating or downloading materials in or in connection with this Campaign unless such injury or damage is caused by the Organizer’s fault, negligence or misconduct.
11. In no event will the Organizer and their respective affiliates, subsidiaries and related companies, their respective advertising or promotion agencies or their respective officers, directors, employees, members, shareholders, attorneys, representatives and agents (collectively, “Affiliates”), be responsible or liable for any damages or losses of any kind, including but not limited to direct, indirect, incidental, consequential, special or punitive damages arising out of the Participant(s) entry in this Campaign, acceptance and/or use of the rewards or offers and participation in any Campaign related activity. By participating in this Campaign, the Participant(s) hereby release and agree to hold harmless the Organizer and their Affiliates from and against any and all rights, demands, claims, causes of action, losses, damages, costs and expenses whatsoever that they may have, or which may arise, whether in whole or in part, and whether directly or indirectly.
12. Personal information or any data including images (“Data”) collected or received from the Participant(s) may be used by the Organizer, and/or their respective agents and agencies for the purposes of administering this Campaign. The Data may also be used to conduct a background check on the Participant(s) identity and to verify the Participant(s) eligibility to participate in this Campaign and receive the cashback rewards or prizes. By participating in this Campaign, the Participant(s) explicitly allow the Organizer, and/or their respective agents and agencies to contact the Participant(s) via e-mail, telephone, short messaging service and other means regarding this Campaign. The Organizer values all personal information received and shall not disclose or furnish your personal information to any unrelated third parties (save for their respective agents and agencies for the purposes of this Campaign or where required by law). The Participant(s) hereby confirms that he/she has read, understood and agreed to be bound by the Privacy Notice of the Organizer. Merchantrade’s Privacy Notice can be found at https://mtradeasia.com/main/privacy
policy/. For the avoidance of doubt, the Participant(s) agree that the said Privacy Notice shall be deemed to be incorporated by reference into these Terms.
13. In addition to the Terms hereunder, the Participant(s) shall be always bound by the terms and conditions of the Merchantrade Money Visa Prepaid Card Agreement (“Cardmember T&Cs”). In the event of any discrepancy or inconsistency between these Terms and Cardmember T&Cs, these Terms shall prevail to the extent of such discrepancy or inconsistency only.
14. The Organizer reserves the right to withdraw this Campaign at any time without prior notice. Any cancellation, termination, amendment, withdrawal or suspension by the Organizer of this Campaign or its Terms will not entitle the Participant(s) to any compensation against the Organizer for any losses or damages that the Participant(s) may suffer or incur as a direct or indirect result of the act of cancellation, termination, amendment, withdrawal or suspension of this Campaign unless such loss or damage is caused by the Organizer’s fault, negligence or misconduct.
15. The Organizer shall not be liable for any default of its obligation under this Campaign due to any force majeure event which include but not limited to act of God, war, riot, lockout, industrial action, fire, flood, drought, storm, pandemic, epidemic or any event beyond the control of the Organizer.
16. These Terms shall be governed by and construed in accordance to the laws of Malaysia.
17. In the event these Terms or any Campaign promotional material are translated into a language other than English, it is done so solely for convenience, with only the English version of these Terms and promotional material being valid and binding (as applicable) upon the Organizer and the Participant(s).