Quite impressed with their app so far. Smooth and fast. Hopefully when more people sign up, still smooth and fast, unlike Al-Rajhi app which have issues during daytime since last week.

Overall, better than Atlas Bank Muamalat, KAF Digital and Al-Rajhi that I signed up in last few weeks.

Daily interest of RM 2.19 credited at 12.05 am

This post has been edited by brandonkl: Aug 19 2025, 12:15 AM

I have 4 more invite codes. If you need one, can PM me ..

The AI not so smart...asked if my debit card has been sent out, ask me to contact Customer Service 😄


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Just received my debit card. Came in blue envelope and nice shinning card... my nicest debit card 😄

This post has been edited by brandonkl: Aug 21 2025, 01:54 PM

The Debit Card...

This post has been edited by brandonkl: Aug 21 2025, 02:30 PM


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I just applied the Pay Later for fun and it allocated RM 1,499... it says 0% interest if re-payment in 1 payment. Reading T&C to understand how it works or how to cancel it 😄

Just click to apply and didn't ask for any documents or income. Immediately granted RM 1,499.

This post has been edited by brandonkl: Aug 21 2025, 05:18 PM


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Then ok lah, interest free for 1 month for RM 1,499-00. Will try to use this amount until due on 18 Sep 2025.

I believe cannot withdraw cash from ATM with this Pay Later, it's only for merchant payment.

This post has been edited by brandonkl: Aug 21 2025, 05:40 PM

Possibility also how much you deposited in your main account or pockets.

I am using my PayLater at merchants that do not accept credit card and make full payment by my 18 Sep due date, 0% interest.

If can use credit card, better to use cc as can get points and also 21 to 30 days before payment due.

Yes, it will show due date once you are approved for PayLater.

Cannot cash out to other bank account. You can only use the PayLater with Merchant QR Scan. I tried to scan my own QR from other bank account also cannot

How come got cash reward now for using PayLater?

I scan RM6.70 with PayLater and received 0.08 cents cash reward.

Update : Just saw the promo in the app ... 1.2% cash reward with PayLater.

This post has been edited by brandonkl: Aug 29 2025, 04:13 PM

The TnG travel card cash back is based on tier spending per receipt. To get the 3%, you need to spend RM300 or more in single receipt.

Under the new "5 stamps in 30 days to unlock 4% interest", still capped at RM20k??

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

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

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.