September 2025 Targeted CTOS Cashback Promotion

Q1.    What is this promotion about?
This is a targeted Promotion for selected users who received notice(s) regarding this Promotion via in-App notifications on TNG eWallet. Eligible Users are able to redeem one cashback voucher to purchase a MyCTOS Score Report from TNG eWallet.

Q2.    What is the duration of this promotion?
The promotion runs from 22 September 2025 to 5 October 2025, or until all vouchers are fully redeemed, whichever comes first.

Q3.    Who is eligible for this promotion?
This Promotion is only valid for selected Touch ‘n Go eWallet users who have received in-App notification(s) for this Promotion.
The cashback voucher is limited to first 1,000 redemptions. The Promotion will cease once the cashback vouchers have been fully redeemed or utilized, or at the expiration of the Promotion Period, whichever is earlier.

Q4.    How many cashback vouchers can I get?
Each Eligible User can redeem only ONE (1) cashback voucher during the campaign period.

Q5.    How do I redeem the cashback voucher?
1.    Tap on the in-App notification you received.
2.    You will be directed to the redemption page.
3.    Tap “Claim Now” to redeem.
4.    The voucher will appear under MyRewards in your TNG eWallet.

Q6.    How do I use the cashback voucher?
If you are an eligible user and have redeemed the cashback voucher, simply purchase a MyCTOS Score Report on TNG eWallet as usual. To do this, go to the CTOS Mini Program page by tapping the CTOS icon on your eWallet. Once your purchase is successful, the cashback will be credited immediately to your TNG eWallet account.

Q7.    Can I combine this cashback voucher with other vouchers?
No, this voucher cannot be stacked with other GOrewards vouchers for the same transaction. However, it can still be used alongside other ongoing promotions, discounts, or vouchers.

Q8.    What is in a MyCTOS Score Report?
It is a personal credit report that contains detailed information about your debt, account histories for credit cards and loans such as payment history, including any late payments, your credit limits or loan amounts, your account balances and credit inquiries. Legal cases and bankruptcies are also listed in a separate section of the credit report as well as directorships, business interests and non-bank debts (Trade Reference).
The report also includes your credit score and recommendations on what you can do to improve this score.

Q9.    Why is it important for you to get the MyCTOS Score Report?
Banks and other lenders use this information as part of the credit evaluation process before approving any credit applications like credit cards and loans. Knowing what’s in your credit report will help you identify areas to fix so you can get higher chances of loan approval. 

The importance of having a good credit report isn’t limited to financial products only. Potential landlords may also review your credit report to decide whether to rent their property to you or not. Some employers even check credit reports as part of the job application process.

Q10.    Will my credit score in the MyCTOS Score Report change over time?
Yes, it will. We recommend a new report every 3 months to check if your credit score has improved and for you to be updated on where you stand in your credit health.