How to reload your TNG eWallet with a credit card — and why it’s worth it

Reloading your TNG eWallet with a credit card comes with a 1% transaction fee. And yet, for many users, it remains one of the most popular ways to top up.

Why? Because when used strategically, credit card reload isn’t just a payment method, it’s a tool that can earn you rewards, give you spending flexibility, and fit neatly into your financial routine.

This guide covers everything you need to know: what credit card reload is, why and when to use it, and a step-by-step walkthrough of how to do it in the app.

What is credit card reload?

A credit card reload is exactly as the name says, it lets you top up your TNG eWallet balance using a Visa or Mastercard credit card. The amount gets billed to your monthly credit card statement, meaning you spend now and pay later.

As of 23 February 2024, TNG eWallet applies a 1% convenience fee to all credit card reloads. For example, reloading RM100 will cost RM101. This fee was introduced to offset processing costs and is transparently applied at checkout.

Note: Reloads via debit card or DuitNow Transfer remain free of charge.

Why reload with a credit card?

So now that we know what is a credit card reload, let’s have a look at why you should reload with a credit card. Despite the fee, there are real, practical reasons to choose credit card reload, provided you use it with intention.

1. Earn rewards on every reload

This is the most compelling reason for most users. When you reload with a credit card, the transaction may count toward your card’s rewards programme, potentially earning you:

• Cashback — some cards return a percentage of eligible spending

• Reward points — redeemable for merchandise, vouchers, or statement credits

• Travel miles — for frequent flyer redemptions

When your card’s reward rate exceeds 1%, the reload effectively pays for itself, and then some. For example, if your card earns 1.5% cashback on eWallet top-ups, you’re netting a 0.5% gain even after the fee.

Always check your card’s T&Cs to confirm whether eWallet reloads qualify as eligible spend.

2. Participate in credit card promotions

Banks and card issuers regularly run campaigns that reward spending within a specific period. Credit card reload can help you:

• Hit minimum spend thresholds for cashback campaigns

• Earn bonus points during promotional windows

• Take advantage of seasonal or limited-time offers

For instance, TNG eWallet has previously run promotions offering cashback for new credit card reload users making the first few reloads especially rewarding.

3. Better cash flow management

Unlike debit card or bank transfer reloads — which deduct from your account immediately — credit card reload gives you a buffer. Your reload is billed at the end of your statement cycle, giving you:

• More time to manage your cash flow

• A consolidated view of your monthly expenses in one statement

• A structured repayment cycle that aligns with your budgeting habits

This is particularly useful if you manage multiple expenses monthly and prefer to keep your bank account balance intact day-to-day.

4. Convenience for planned or larger reloads

If you reload your eWallet frequently or in larger amounts, credit card reload offers a predictable, trackable method. All your reload activity appears in your credit card statement, making it easy to:

• Monitor total eWallet spending over time

• Spot patterns in your digital spending habits

• Align reloads with your personal budgeting strategy

5. Auto-Reload — set it and forget it

One of the most underrated features of credit card reload is Auto-Reload. You can link your credit card to automatically top up your eWallet whenever your balance falls below a threshold you define.

This means you’ll never be caught off-guard with insufficient balance — especially useful for daily commuters, frequent TnG highway users, or anyone who relies on TNG eWallet for regular payments.

6. QuickPayment – fast, seamless checkout

With Quick Payment, you can complete transactions instantly without going through multiple steps. Whether you’re scanning a DuitNow QR or paying at your favourite merchants, everything happens in just a tap.

It’s designed to make everyday payments faster and smoother — perfect for moments when speed and convenience matter most, like during peak hours or on-the-go purchases.

When does credit card reload make the most sense?

Credit card reload is the right choice when:

• Your card earns rewards on eWallet top-ups that outweigh the 1% fee

• You want to hit a minimum spend for an ongoing credit card promotion

• You prefer spending flexibility over immediate fund deduction

• You’re setting up Auto-Reload for hands-free balance management

• You reload in larger amounts and want consolidated billing

It’s less ideal when you’re reloading small, irregular amounts where the fee adds up without a meaningful reward return — in those cases, debit card or DuitNow Transfer (both free) are the smarter choice.

How to reload TNG eWallet with a credit card

Here’s a step-by-step guide to reloading your TNG eWallet using a credit card directly in the app.

Step 1: Open the TNG eWallet app

Launch the TNG eWallet app on your phone and make sure you’re logged in.

Step 2: Tap “Reload”

On the home screen, tap the Reload icon or select eWallet Balance to access the top-up options.

Step 3: Select “Debit/Credit Card”

From the list of reload methods, choose Debit/Credit Card.

Step 4: Add your credit card (first-time users)

If you haven’t saved a card yet:

1. Enter your credit card details (card number, expiry date, CVV)

1. Check the consent box to authorise a RM1 verification charge — this will be refunded to your card (within 7 days for credit cards)

1. Tap “Add This Card”

1. You’ll be redirected to your card-issuing bank’s page to enter the OTP sent to your registered mobile number

If you’ve already saved a card, skip directly to the next step.

Step 5: Enter your reload amount

Type in the amount you wish to reload. Take note that a 1% convenience fee will be applied and shown before you confirm.

Step 6: Confirm and authenticate

Review the transaction summary — including the fee — then confirm. You may be prompted to enter your TNG eWallet PIN or authenticate via your bank’s security step.

Step 7: Reload complete

Once successful, your eWallet balance will be updated immediately. You’ll receive a confirmation screen and a transaction notification.

How to set up Auto-Reload with a credit card

Want your eWallet to top itself up automatically? Here’s how to enable Auto-Reload:

1. Open the TNG eWallet app and tap on your eWallet Balance
2. Tap the “Reload eWallet” icon, then select “Auto-Reload”
3. Add or select your preferred credit card
4. Set your trigger balance (the minimum balance that activates a top-up)
5. Set your reload amount (how much to top up each time)
6. Confirm and save

Note: Auto-Reload is available for Malaysian-registered accounts only. The 1% fee applies to each automatic reload transaction.

How to set up Quick Payment with a credit card

Want a faster way to pay with your eWallet? Here’s how to enable Quick Payment:

1. Open the TNG eWallet app and tap on your eWallet Balance
2. Tap the “Profile” tab, then select “Bank Card”
3. Add or select your preferred credit card
4. Select Credit Card for quick payment
5. Enable now

Note: Quick Payment allows for faster transactions with fewer steps, so make sure your security settings (PIN or biometric) are enabled for a safe experience

Things to keep in mind

Credit card reload can be a smart tool, but like any financial feature, it works best when used responsibly.

• Factor in the 1% fee. Always calculate whether your rewards or benefits outweigh the cost before choosing this method.

• Stay within your credit limit. Reload amounts are billed to your card, so ensure you have sufficient available credit.

• Pay your statement on time. Late payment charges or interest can quickly erode any rewards earned.

• Check your card’s eligibility. Not all credit cards treat eWallet top-ups as qualifying spend for rewards — verify with your card issuer.

• Credit card reload balance is non-transferable. Funds reloaded via credit card cannot be transferred out to a bank account — they can only be used for spending within TNG eWallet.

The bottom line

Credit card reload on TNG eWallet isn’t for everyone, but for users who know how to leverage it, it’s genuinely valuable. The 1% fee is a known cost; the rewards, flexibility, and convenience are the return.

If you’re earning cashback that exceeds the fee, managing cash flow across a billing cycle, chasing a promotion, or simply want the peace of mind of Auto-Reload, then credit card reload is a tool worth using.

Reload smart, spend smart, and make every transaction work a little harder for you.