First card. First cashback.

Frequently Asked Questions

FREQUENT ASKED QUESTIONS

  1. What is “First card. First cashback.”?
    • “First card. First cashback.” is a campaign organized by TNG Digital Sdn Bhd (TNGD), offering cashback rewards to selected TNG eWallet users that are aged 18 and are holders of a TNG Visa Everyday Card. Selected users must own a TNG Visa Everyday Card to be eligible for the cashback.
  2. When is the campaign period?
    • The campaign runs from 1 September 2026 to 31 December 2026.
  3. How do I participate in the Campaign?
    • The Campaign is open to selected TNG eWallet users that are aged 18 and are holders of a TNG Visa Everyday Card during the Campaign Period (“Eligible Users”). Eligible Users will be notified of their participation through official TNG Digital channels, which may include in-app banners, inbox, push notification, or email.
    • To participate, selected TNG ewallet users simply needs to make qualifying transactions using your TNG Visa Everyday Card during the Campaign Period. Cashback is determined by your total monthly qualifying spend — the more you spend across the month, the higher the cashback tier you unlock.
  1. Which TNG Visa Card is eligible for this Campaign?
    • Only the TNG Visa Everyday Card is eligible for this Campaign. Transactions made using the TNG Visa Travel Card will not qualify.
    • For more information on card types or to apply for a TNG Visa Everyday Card, please refer to the Product Disclosure Sheet at https://www.tngdigital.com.my/assets/images/PDS_EN.pdf.
  2. Which transactions are eligible?
    • Qualifying transactions are transactions made using a TNG Visa Everyday Card for purchases at both local and international e-commerce merchants (Ecom) and both local and international point-of-sale merchants (POS) during the Campaign Period.
    • ATM withdrawals, fund transfers, bill payments, peer-to-peer transfers, in-app top-ups, and any non-purchase transactions are excluded from qualifying spend.
    • Any transaction that is refunded, reversed, cancelled, disputed, or charged back, whether in whole or in part, will not be considered as qualifying spend under this Campaign. If cashback has been awarded based on a transaction that is subsequently refunded, reversed, cancelled, disputed, or charged back, TNG Digital reserves the right to deduct, claw back, offset, or recover the corresponding cashback amount from the Eligible User’s account, or to disqualify the Eligible User from receiving cashback under the Campaign, where applicable.
    • For transactions made in foreign currencies, the qualifying spend amount will be based on the final transaction amount posted to the TNG Visa Everyday Card account in Malaysian Ringgit (RM) after the applicable foreign exchange conversion and any card scheme or processing adjustments. The converted and posted RM amount reflected in TNG Digital’s records shall be final and conclusive for the purpose of determining qualifying spend, cashback eligibility, and cashback calculation under this Campaign.
  3. How does the cashback work?
    • Cashback is calculated based on your total qualifying spend in each calendar month, across three tiers:
      • Tier 1, Spend Below RM200: No cashback. Keep spending to unlock rewards.
      • Tier 2, Monthly Spend RM200 to RM399: Cashback at 0.20% of your total qualifying spend for that month.
      • Tier 3, Monthly Spend RM400 and Above: Flat RM8.00 cashback bonus for that month. This replaces the 0.20% — it is not stacked.
  4. Are there any minimum spending requirements?
    • There is no minimum spending requirement to participate. However, cashback only starts when your total monthly qualifying spend reaches RM200 (Tier 2). To unlock the RM8 flat bonus, you need to reach RM400 in qualifying spend within the calendar month (Tier 3).
  5. Can I use my TNG Visa Everyday Card for both online and offline purchases?
    • Yes. Eligible Users may enjoy the applicable cashback for qualifying online and offline transactions made using their TNG Visa Everyday Card — whether the merchant is local or international.
  6. Does the cashback stack? For example, if I spend RM600, do I get 0.20% on the first RM399 plus RM8 on top?
    • No. The RM8 flat bonus in Tier 3 replaces the 0.20% cashback entirely. An Eligible User who qualifies for Tier 3 receives only the RM8 bonus, not RM8 plus 0.20% on spend.
  7. When will I receive my cashback?
    • Cashback will be credited to your TNG eWallet account within fourteen (14) working days after the end of each calendar month. For example, cashback earned in September 2026 will be credited within 14 working days after month end.
  8. Is there a cap on how much cashback I can receive?
    • Yes. Each Eligible User may receive only one (1) cashback reward per calendar month, based on the tier applicable to their total qualifying spend for that month. The maximum cashback per month is the RM8.00 flat bonus.
  9. Where can I get more information?
    • For more information, please visit the “First card. First cashback.” promotion page in the TNG eWallet app or contact TNG Digital’s customer support channels.