I don't really understand your question but you can only spend what you have in your main account. For example, if you have <RM10 in your main account & RM20K in you save pockets, then you can't expect to be able to pay for a valid RM10 transaction which will secure you a stamp.

Today transfer out my RM20k to Boost Bank for 3.3% and after 5 stamps, transfer back RM20k to RYT for 4%

Just realised you can only earn 1 stamp per day. This is after making 2 JomPay payments this morning ... damn.

I can't see anywhere, but can you make multiple JomPay payments to the same vendor to get the stamps?

I don't see why not as long as they're not done on the same day.

Guess so. I'll try again tomorrow and will update the thread.

in this 5 day, u just earn 0.3% more, which is only RM0.821917808

I have time and just few clicks only... 82 cents still ok lah

Money not the issuee
Is Ryt make it difficult then squeeze it back even 1 sen

Earn only 1 stamp per day. Assume today, tomorrow, and Wednesday, i spend minimum RM10 using card or jompay, then only i can unlock the extra 1%? That means between today and Wednesday, every single person no extra 1%??

the issue is cap at 20K then have to spend 50 bucks. to get 10 bucks interest. moving to boost or GX 3 month better

Yes. Interest is 3% only. No extra 1%.

Look at it objectively, you are not spending rm30 for nothing..pay to something which you need to pay anyway. Cannot expect RYT to give you something with nothing in return.

That exclusion MCC list is standard in the 1st place 🤦‍♀️ as all major commercial banks follows it so it is normal

i dont receive the card. can i reapply and free of charges? if charges me again we will do mass withdraw and go to GX lol

Exactly this. My Hotlink RM10 reload gave me 1 stamp today. Personally I need to reload anyway to renew my data subscription every month.

Just checked again 🤦‍♀️ 60.84 doesn’t work on Ryt because there is rounding interest but accumulated interest instead

how did you check now, must wait till after mid night only can check

it has worked all this while,
this morning i received the 1 sen x 9 pockets

182.50 works for me from first day until this morning so I do not see why 60.84 does not do the same

Only works if you open and close pocket daily 🤦‍♀️

182.50 works on day 1 but day 2 accumulated 🤦‍♀️ the magic number only works if you open and close daily

Already Ryt website have shown the calculation that residual interest will be accumulated on day 2

For example, based on a base interest rate of 3.00% per annum applicable on balances in your Main Account,
On Day 1 (1 Jan 2025), the balance in your Main Account is RM 20,000.00. You will earn an accrued interest of RM 1.643836.
RM 1.64 will be posted to your Main Account on Day 2 (2 Jan 2025). Your balance will now be RM 20,001.64.
The remaining RM 0.003836 (knows as the residual balance) and RM 20,001.64 will continue to accrue interest the next day (Day 3 onwards)

This post has been edited by xander2k8: Dec 1 2025, 11:40 PM

As I don't want to benefit RYT and spend more than RM10 per stamp per day, each day for 3 (or 5) days, I use Jom Pay to pay RM10 for my TNB bill 😄😄

Then whatever balance in my TNB, I use TNB app to pay with my credit card and earn points.