These terms govern everything on the 98kr platform — how accounts work, how deposits and withdrawals are handled, what bonuses require, and what we both expect from this arrangement. They're written to be read, not buried. Take a few minutes to go through the sections that matter most to you.
Six topics players ask about most — each one has a full section further down the page.
Who can register, what information is required, and how 98kr handles account verification. One account per person — no exceptions.
How deposits are processed via JazzCash, Easypaisa, Raast, and bank transfer. Withdrawal timelines, limits, and what happens if there's a mismatch in account details.
How bonus funds work, what wagering requirements mean, game contribution rates, and what happens if bonus terms are violated.
RNG certification, how game outcomes are determined, what constitutes fair play, and how disputed results are handled.
How VIP points are earned and spent, tier progression rules, what each tier earns in cashback and benefits, and when VIP status can be adjusted.
Deposit limits, self-exclusion, session timers, and the process for closing your account. How 98kr handles minors and account protection requests.
By accessing or using the 98kr platform — whether through the website, mobile browser, or any associated application — you confirm that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety. If you do not agree with any part of these terms, you must not use the platform.
These terms constitute the complete agreement between you and 98kr in relation to your use of the platform. They supersede any prior communications, representations, or agreements, whether written or verbal. Using the 98kr platform after any update to these terms constitutes acceptance of the revised version.
98kr is operated as an entertainment platform. The games available are intended for recreational use by adults. Nothing on this platform should be interpreted as financial advice, investment guidance, or a guaranteed source of income. All gaming outcomes involve chance and financial risk.
Age Requirement: You must be at least 18 years of age to use the 98kr platform. By registering, you confirm that you are 18 or older. 98kr reserves the right to request age verification documents at any time and to suspend accounts where the minimum age cannot be confirmed.
To access real-money games and features on 98kr, you must register a player account. Registration requires a valid mobile number and the creation of a secure password. You will be asked to verify your mobile number via a one-time password (OTP) during registration.
Each person is permitted to hold only one active account on 98kr. The creation of multiple accounts — whether under the same identity or different identities — is strictly prohibited. Where duplicate accounts are detected, 98kr reserves the right to close all associated accounts and forfeit any balances held within them.
You are responsible for maintaining the security of your account credentials. Do not share your password, OTP, or account access with any other person. 98kr will not be liable for losses resulting from unauthorised access to your account where you have failed to keep your credentials secure.
Verification: 98kr may request a copy of your national ID card, proof of address, or payment method verification at any point — particularly before processing withdrawals above stated thresholds. This is a standard security process and is not a reflection of any wrongdoing on your account.
All deposits on 98kr are processed in Pakistani Rupees (PKR). The platform supports deposits via JazzCash, Easypaisa, Raast, bank transfer, debit card, and compatible mobile wallets. The minimum deposit is PKR 200 unless otherwise stated for a specific promotion.
Deposits made via JazzCash, Easypaisa, and Raast typically reflect in your 98kr wallet within seconds of the transaction being confirmed by the payment provider. Bank transfer deposits may take up to two working hours depending on the sending bank's processing times. 98kr does not charge fees for deposits, though your payment provider may apply their own transaction charges.
Currency: 98kr operates exclusively in PKR. There are no currency conversion fees, no exchange rate markups, and no hidden charges applied to deposits. The amount you send is the amount credited to your gaming wallet.
Withdrawals are processed to the same payment method used for deposit wherever possible. Where that is not available, withdrawals are processed to a verified bank account or mobile wallet registered in the account holder's name. Withdrawals to third-party accounts are not permitted under any circumstances.
The minimum withdrawal amount is PKR 500. Standard withdrawal requests are processed within 24 hours on business days. VIP members at Gold tier and above benefit from priority withdrawal processing, typically within a few hours. Withdrawal limits vary by payment method and VIP tier — refer to the withdrawal section of your account for current limits applicable to your account.
VIP Fast Withdrawal: Gold, Platinum, and Diamond VIP members on 98kr receive expedited withdrawal processing as part of their tier benefits. Higher tiers also have access to increased single-transaction withdrawal limits. See the VIP programme details for tier-specific information.
Bonuses offered on 98kr — including welcome bonuses, reload bonuses, cashback, free spins, and referral rewards — are subject to the specific terms stated for each offer. General bonus principles that apply across all promotions are outlined here.
All deposit bonuses carry a wagering requirement expressed as a multiplier (e.g. 15× or 20×). This means the bonus amount must be wagered a total of that many times before it can be converted to withdrawable real money. Real money deposits are never subject to wagering requirements — only the bonus portion is restricted.
Important: The welcome bonus is available to new members on their first deposit only. Creating multiple accounts to claim the welcome bonus more than once is a violation of these terms and will result in permanent account suspension and full balance forfeiture.
All games available on 98kr — slots, live casino tables, fish games, bingo, and any other titles — use certified Random Number Generator (RNG) systems or, in the case of live casino, physical dealing by human dealers under professional studio conditions. Game outcomes are not manipulated in favour of or against any individual player.
Players are expected to use the platform in good faith. The following activities are prohibited and will result in account suspension and forfeiture of all balances without refund:
In live casino games, the dealer's decision on all matters relating to the physical conduct of the game is final. Technical disconnections during a live game round are handled according to the specific game provider's disconnection policy, which is detailed within each game's rules interface.
Disputed Results: If you believe a game result is incorrect, submit a dispute within 72 hours via the 98kr support channel with the game round ID from your account history. Disputes are reviewed against server logs and provider records. Verbal disputes or disputes submitted after the 72-hour window cannot be processed.
The 98kr VIP programme operates across five tiers: Bronze, Silver, Gold, Platinum, and Diamond. VIP points are accumulated through real-money wagering — bonus funds do not contribute to VIP point accumulation. The number of points earned per PKR wagered varies by game type.
Tier progression is automatic and based on VIP points accumulated within a rolling period. Tier downgrades can occur if wagering activity falls below the minimum threshold required to maintain a given tier. 98kr will provide notice before any downgrade takes effect where possible.
98kr collects and processes personal information as described in the Privacy Policy. By registering, you consent to the collection and use of your data for the purposes of account operation, identity verification, payment processing, and fraud prevention. Full details of what data is collected, how it is stored, and your rights in relation to that data are set out in the Privacy Policy.
98kr will never sell your personal data to third parties for marketing purposes. Payment information is encrypted and processed through secure channels. Account data is stored with appropriate security controls and is accessible only to authorised staff for operational and support purposes.
98kr provides responsible gaming tools to all registered members. These include deposit limits (daily, weekly, monthly), session time reminders, spending history review, and self-exclusion. All tools are accessible from your account settings without requiring contact with support.
Self-exclusion requests are processed within 24 hours and result in the suspension of your account for the chosen period (30 days, 3 months, 6 months, or permanent). During a self-exclusion period, no override or early reinstatement is available. This is intentional — the restriction is designed to be effective.
Responsible Gaming Resources: Visit the Responsible Gaming page for detailed guidance, a self-assessment tool, and information on managing your gaming habits. 98kr strongly encourages all players to review this section periodically.
98kr reserves the right to suspend, restrict, or permanently close any account at any time where there is a reasonable suspicion of fraud, bonus abuse, identity falsification, money laundering, underage gambling, or any other violation of these terms. Where an account is suspended pending investigation, access to funds may be withheld until the investigation is complete.
If an account is closed due to confirmed rule violations, any remaining balance may be forfeited in full, including real money deposits where those deposits are determined to have been made in connection with the prohibited activity.
Players who wish to close their account voluntarily can do so through account settings or by contacting support. Voluntary account closures are processed within 48 hours. Any verified balance remaining at the time of closure will be paid out to your registered payment method after standard processing.
98kr's liability to any player is limited to the verified balance held in that player's account at the time a claim arises. 98kr is not liable for indirect, consequential, or incidental losses including lost profits, lost opportunities, or emotional distress arising from use of the platform or from any game outcome.
98kr is not responsible for delays or failures caused by third-party payment providers, internet service providers, mobile network operators, or other external services outside of 98kr's direct control. Where a payment provider experiences downtime affecting deposit or withdrawal processing, 98kr will communicate updates via platform notifications but cannot guarantee specific resolution timelines set by external parties.
Entertainment Platform Disclaimer: 98kr is an entertainment platform. Participation in games involves real financial risk. There is no guarantee of winning, no system or strategy that eliminates the house edge, and no amount of prior experience that makes game outcomes predictable. Play only what you can afford to lose.
98kr reserves the right to update or amend these Terms and Conditions at any time. Material changes will be communicated via a platform notification or email to registered members at least 7 days before they take effect where practicable. Continued use of the platform after the effective date of any update constitutes acceptance of the revised terms.
The date of the most recent update appears at the top of this page. If you disagree with a proposed change, you are entitled to close your account before the change takes effect and receive your verified real-money balance in full.
Questions about these terms? Contact the 98kr support team through the in-platform chat or the contact details listed in your account dashboard. Support is available 24/7 and the team can clarify any term in plain language.