Kacha Points & Rewards Terms

Last updated: October 9, 2026

These terms govern the Kacha Points programme (the “Programme”). They form part of the Kacha Terms of Service. Referral bonuses have their own Referral Program Terms, which sit alongside these.

1. What Kacha Points are

Kacha Points are a promotional loyalty balance held in your Kacha account. They are not money and have no cash or monetary value. You have no property right in Points. Points cannot be transferred between accounts, sold, willed, or exchanged for cash, and they are not redeemable except through the Kacha rewards catalogue.

2. Who can take part

  • You must have a Kacha account in good standing and meet the age requirement in the Terms of Service.
  • One person, one account. Points earned across multiple accounts operated by the same person may be removed.
  • The Programme is available where Kacha operates and may differ by country.

3. Earning Points

You earn Points for qualifying activities shown in the app, which currently include scanning valid receipts and completing certain in-app actions and campaigns. Point values are displayed in the app and may change.

Valid receipts. Only genuine, readable receipts from your own purchases qualify. Receipts that are duplicated, altered, unreadable, incomplete, fraudulent, or otherwise invalid do not count and may lead to disqualification. We use automated and manual checks, including verification against public tax-authority records where a receipt provides them, to decide whether a receipt qualifies.

4. Expiry

If your account has no Points earning or redemption activity for 12 months, your Points balance expires and is removed. We will send you at least one reminder before this happens. Any Points earned through a reversed or disqualified activity may be removed sooner.

5. Redeeming Points

  • Rewards catalogue: Points can be redeemed for airtime and other rewards listed in the app, while offers and stock last. Available rewards and the number of Points they cost may change at any time, and differ by country. Where redemption is not yet available in your country, your Points are kept and keep accumulating.
  • Delivery: rewards such as airtime are fulfilled by third-party providers. Delivery times depend on that provider, and a redemption is subject to the provider’s own terms and to the details (such as phone number) you provide being correct.
  • Finality: once a redemption is confirmed it normally cannot be reversed or refunded in Points, except where a reward fails to be delivered due to our error.

6. Adjustments, forfeiture and clawback

We may withhold, reduce, reverse, or cancel Points, and recover the value of rewards already redeemed — including by offsetting against your balance or future earnings — where:

  • Points were earned from invalid, duplicated, altered, or fraudulent receipts;
  • you operated multiple or coordinated accounts;
  • there was a system or pricing error in your favour;
  • you breached these terms, the Terms of Service, or the Referral Program Terms.

Serious or repeated breaches may also lead to suspension or closure of your account.

7. Taxes

Any tax, levy, or charge arising from earning or redeeming a reward is your responsibility.

8. Changing or ending the Programme

We may change point values, earning rules, expiry periods, the rewards catalogue, or any other part of the Programme, and we may suspend or end the Programme entirely, with reasonable notice where practical. If we end the Programme, unredeemed Points will expire on the date stated in that notice. Because Points have no cash value, no compensation is payable for expired or forfeited Points.

9. Disclaimers

  • The Programme and related materials are provided for general information and do not constitute financial, tax, or legal advice.
  • We are not responsible for typographical or technical errors in the app, the catalogue, or promotional materials, and we may correct them.

10. Contact

Questions about Kacha Points? Email [email protected].