I was doing my routine checks and i noticed Ryt Pay Later appears in my CCRIS report.
The Application and the outstanding itself. First time seeing the Buy Now Pay Later category in this report.

But its pretty nice to use it and get cashback... rarely use TnG anymore.

https://i.imgur.com/P4laVuC.png

This post has been edited by james2306: Oct 8 2025, 02:54 PM

All banks and non bank FI are compelled to update CCris to keep that useful.

Anyone know if Virtual Card can use for the shopee voucher?

Meaning you want to buy shopee voucher with Ryt card? I don’t understand your question.


Otherwise, I’ve used the card for RM8 off voucher before. The virtual card has 16 digit num. Just add the num like any other credit/debit card. At checkout, select the virtual card num to pay. Make sure there is money in the main account. Move fund from savings pocket if needed to.

This post has been edited by my44: Oct 9 2025, 11:36 AM

How's their exchange rate compared to GX?

I think there is no cap, right?

It is unfortunate GX and Ryt card can not be linked to Google Wallet but Wise can

This post has been edited by touristking: Oct 9 2025, 09:49 PM

Ryt bank confirmed they are in the process of getting their card for Apple Pay

what is card skimming?

Criminals installing an additional layer outside of the card insert slot in the ATM / card terminal that reads & copies your card details.

I believe exchange rate is determined by Visa or Mastercard. Bank just add/deduct a small percentage as their bank charge.

https://www.mastercard.com/us/en/personal/g...-converter.html
https://www.visa.com.my/support/consumer/tr...calculator.html

So better to enjoy the promotion while it last. GX bank card used to have that offer also. Not sure now.

i kena recently. Used a local bank card at UK public car parks and ended with some gaming company transactions. Came back Msia.. hv to report police for bank records. end of day bank says its DEBIT CARD. Sudah di bayar.

So it is better to use Credit Card in this case? Because it will be the bank taking the loses?

Better to use those "prepaid cards" when overseas....

So your loses would be minimal.... CC also one good options.... Because you can dispute with the banks.... Mostly can get back the $$$.... I meant cancelled the transaction....

This post has been edited by nexona88: Oct 11 2025, 12:16 PM

Yep agree dt freeze/unfreeze functioning. CC problem is how many times you gonna send in dispute claims esp if simultaneously holding multiple CC's is surely testing for the user.

Does ryt debit card have the freeze unfreeze feature?
Up until now I haven't complete step 6 which is to get the free card

Got

anyone used the debit card overseas ? 1.2% rebate , how long will to get it?

Took about 2 days for me

Can you please tell me where do they credited to you? The main account, same as the daily interest?

I spend on 13th and today 16th and I see nothing

overseas spending only applies correct?

btw its a debit card function , so must make sure got enough $$ inside right? sorry just making sure only