Zong Z-Wallet Keep and Earn: Up to 11% on Your Balance and Rs 250 Kicker Till 30 November 2026
Zong Z-Wallet pays 6% to 11% a year on balances from Rs 5,000, weekly, till 30 November 2026, plus a Rs 250 kicker and Rs 100 cashback. See how to join.
Zong's Z-Wallet pays an annualized cash reward of 6% to 11% on money you keep in it from 2 to 30 November 2026, paid every week. On top of that there is a one-time kicker of up to Rs 250, Rs 100 cashback for returning users and Rs 50 for new users. You open the wallet in the My Zong app with your CNIC. Zong lists four offers in all, and each has its own rule.
The headline 11% sounds big, but it is a yearly rate paid for a few weeks. On Rs 10,000 at 8%, a week's reward comes to about Rs 15 by our sum. Worth having if the money sits there anyway. Not worth moving your savings for.
The four Z-Wallet offers in November 2026
Zong lists four Z-Wallet offers running from 2 November to 30 November 2026: Keep and Earn on your balance, a Keep and Earn kicker for growing your balance, cashback for existing users who come back, and a welcome reward for new users who add money.
| Offer | What you do | What you get |
|---|---|---|
| Keep and Earn: annualized cash reward | Keep Rs 5,000 or more in Z-Wallet | 6% to 11% a year, paid weekly |
| Keep and Earn: kicker | Reach a higher balance and hold it for 15 days | One-time Rs 50, Rs 150 or Rs 250 |
| Existing user transaction activation | 3 transactions worth Rs 1,500 or more in 7 days | Rs 100 cashback |
| New user fund and earn | Add Rs 1,000 in your first 7 days, keep it 15 days | Rs 50 cashback |
All four end on 30 November 2026. Zong says terms and conditions apply to each one.
Keep and Earn pays 6% to 11% a year on your balance
The Keep and Earn reward depends on how much sits in your Z-Wallet. Rs 5,000 to Rs 9,999 earns 6%, Rs 10,000 to Rs 49,999 earns 8%, Rs 50,000 to Rs 99,999 earns 9%, and Rs 100,000 or more earns 11%, paid weekly.
| Balance in Z-Wallet | Annualized reward | About one week's reward (our sum) |
|---|---|---|
| Rs 5,000 to Rs 9,999 | 6% | Rs 5,000 earns about Rs 6 |
| Rs 10,000 to Rs 49,999 | 8% | Rs 10,000 earns about Rs 15 |
| Rs 50,000 to Rs 99,999 | 9% | Rs 50,000 earns about Rs 86 |
| Rs 100,000 and above | 11% | Rs 100,000 earns about Rs 211 |
The weekly figures are our own arithmetic: balance times rate times 7, divided by 365. Zong does not publish a weekly figure. "Annualized" means the yearly rate, so a 9% reward does not mean 9% of your money in one week.
Below Rs 5,000, this reward pays nothing. That is the first number to aim for.
The kicker pays up to Rs 250 once
The kicker is a one-time reward for raising your balance to a target and holding it there for 15 days. Starting below Rs 5,000 and holding Rs 5,000 earns Rs 50. Starting at Rs 5,000 to Rs 9,999 and holding Rs 10,000 earns Rs 150.
- Start below Rs 5,000, hold Rs 5,000 or more: Rs 50.
- Start at Rs 5,000 to Rs 9,999, hold Rs 10,000 or more: Rs 150.
- Start at Rs 10,000 to Rs 49,999, hold Rs 50,000 or more: Rs 250.
The 15 days matter more than people think. With the offer ending on 30 November, the balance has to reach its target by about 15 November to fit 15 days in. If you are reading this later in the month, plan on the weekly reward instead.
Cashback for returning and new Z-Wallet users
Existing users who made no qualifying transaction in the past 30 days get Rs 100 for three transactions worth Rs 1,500 or more within 7 days. New users get Rs 50 for adding Rs 1,000 in their first 7 days and keeping Rs 1,000 for 15 days in a row.
Existing users: Rs 100
Zong's examples of a transaction are paying a bill, buying a bundle or sending money to a friend. The Rs 1,500 is the total of the three, not each one. Paying your electricity bill, a monthly bundle and a small transfer can get you there.
New users: Rs 50
This one is only for newly registered Z-Wallet users. Add Rs 1,000 or more within your first 7 days, then do not let the balance drop below Rs 1,000 for 15 days.
How to open a Z-Wallet and join
Any Zong customer with a valid CNIC and an active Zong number can open a Z-Wallet in the My Zong app after a short digital sign-up and KYC check. Biometric verification may be needed under State Bank rules. JS Bank runs the wallet behind the scenes.
- Install the My Zong app and log in with your Zong number.
- Open the Z-Wallet section and start registration.
- Enter your CNIC details and finish the KYC steps.
- Set your MPIN, the PIN that approves payments.
- Add money from a bank, another wallet or a retailer.
- Keep the balance at the level you are aiming for.
A basic, unverified account has limits. Under State Bank rules a Level 0 wallet holds at most Rs 200,000, so the 11% tier fits, but daily and monthly limits can slow you down when you add money. The fix is a biometric upgrade, set out in raising your Z-Wallet limits. If you forget your MPIN, resetting the Z-Wallet MPIN takes a few minutes.
What to watch before you move money
The reward is a promotion with an end date, not a savings account. Zong and Zindigi can change or stop a campaign, and suspicious transactions can disqualify you. Keep only money you would leave in the wallet anyway, and never share your MPIN or one-time codes.
Moving money in and out has its own costs. A bank transfer into a wallet is often free, but sending money out to a bank or another wallet can carry a fee, so check the charge before you pull the money back out. Raast transfers between wallets are usually the cheapest way out.
One honest view: for most people the Rs 100 and Rs 50 cashbacks are the easiest money here, because you get them by paying bills you already pay.
Common questions
What is Zong Keep and Earn?
It is a Z-Wallet offer that pays an annualized cash reward of 6% to 11% on your balance, paid weekly, from 2 to 30 November 2026.
How much do I need to keep to earn 11%?
Rs 100,000 or more. Rs 50,000 to Rs 99,999 earns 9%, Rs 10,000 to Rs 49,999 earns 8%, and Rs 5,000 to Rs 9,999 earns 6%.
Does 11% mean I get Rs 11,000 on Rs 100,000?
No. It is a yearly rate. For one week, Rs 100,000 at 11% works out to about Rs 211 by our sum.
Who can open a Z-Wallet?
Any Zong customer with a valid CNIC and an active Zong number, subject to verification. You open it in the My Zong app.
When do the November Z-Wallet offers end?
All four end on 30 November 2026.
Can I get both the new user reward and the kicker?
Zong lists them as separate offers. It does not say on the offer pages that one rules out the other, so check the in-app terms before you count on both.
How we verified this
What we checked and where we read it.
Checked on 15 November 2026. We read Zong's four Z-Wallet offer pages on zong.com.pk: Keep and Earn: Annualized Cash Reward, Keep and Earn: Kicker, Existing User Transaction Activation and New User Fund and Earn. All four give the period 2 to 30 November 2026. Who can open a Z-Wallet, the My Zong app route and the biometric note are from the FAQ on Zong's Z-Wallet terms page, which also names JS Bank Limited as the bank. The weekly reward figures are our own sums and are not published by Zong. The Level 0 balance cap is from the State Bank's branchless banking regulations.
About the author
Technology Journalist & Multimedia Producer
Ahmad Ali is a technology journalist and multimedia producer at Pakistan Era, joining the team in October 2026. He covers consumer technology and digital life for Pakistani readers, combining research with hands-on product testing.
