e-Mas: Golden Moments Campaign 2026

Terms & Conditions

e-Mas: Golden Moments Campaign Terms and Conditions

  1. The Campaign is organised by TNG Digital Sdn Bhd (Registration No. 201701042478 (1256651-M)) (“TNGD”) (referred to as “Organiser”).
  2. The Campaign begins on 1st October 2026 and ends on 1st January 2027, both dates inclusive (“Campaign Period”).

 

Campaign Month Duration
October 1 October 2026 – 31 October 2026
November 1 November 2026 – 30 November 2026
December 1 December 2026 – 31 December 2026

 

Eligibility

  1. The Campaign is open to all registered and verified TNG eWallet users who are aged eighteen (18) years and above, who have access to the e-Mas product and who maintain an active TNG eWallet and e-Mas account throughout the applicable participation and reward fulfilment period (“Eligible Participant”).

  2. Eligible Participants may participate in one or more reward categories, subject to satisfying the requirements and limits applicable to each category.

Campaign Rewards and Mechanics

Reward 1: Golden Chance

  1. Subject to these Terms and Conditions, Eligible Participants may earn Golden Chance entries (“Entries”) during October, November and December 2026 by completing the eligible actions below:
Eligible action Entries earned
Every successful e-Mas gold purchase of at least RM100 One (1) Entry
Every successful Auto Labur transaction of at least RM100 Five (5) Entries
Every successful e-Mas gold transfer of at least RM100 Five (5) Entries

 

  1. For the avoidance of doubt, an Auto Labur transaction that also constitutes a successful e-Mas gold purchase shall receive five (5) Entries only and shall not be counted again under the first row of the table in Clause 5.
  2. Entries shall be calculated based on successful and completed eligible transactions recorded in the Organiser’s system within the relevant calendar month. Cancelled, reversed, refunded, failed, fraudulent or otherwise invalid transactions shall not qualify.
  3. This Clause applies to Reward 1 only. Entries earned in a calendar month are valid only for that month’s draw and shall not be carried forward to any other month. Entries do not accumulate across the Campaign Period. Reward 2 and Reward 3 are not Entry-based and are allocated on a first-come, first-served basis in accordance with their respective Clauses.
  4. This Clause applies to Reward 1 only. The following shall not qualify for Entries: e-Mas gold transfers between accounts which the Organiser reasonably determines to be linked, including accounts sharing a device identifier, funding instrument or verified identity. Where Entries have already been credited, the Organiser may void those Entries and any corresponding reward.
  5. One (1) Grand Prize winner will be selected from the draw after the Campaign Period.
Grand Prize Prize Winner
Grand Prize 10g e-Mas One (1)

 

  1. Total of Five Hundred (500) winners will be selected for each Monthly Draw for October, November and December 2026 as following prizes:
Monthly Prize Prize Winners per month
Prize 1 RM100 worth of e-Mas Twenty (20)
Prize 2 RM50 worth of e-Mas Thirty (30)
Prize 3 RM10 worth of e-Mas Four Hundred and Fifty (450)

 

  1. The total indicative cost allocated for Reward 1 is RM30,000, based on the internal indicative values of approximately RM6,000 for 10g e-Mas. The actual value of e-Mas may fluctuate and no fixed cash value is guaranteed.
  2. The monthly winners will be selected at random from all valid Entries recorded for the relevant month. Unless otherwise determined by the Organiser, each Eligible Participant may win a maximum of one (1) Reward 1 prize per month and one (1) Grand Prize.
  3. The Organiser will calculate Entries, conduct each draw, notify winners and fulfil Reward 1 in accordance with the fulfilment timelines set out below, subject to Clause 34. Winners may be contacted through their registered TNG eWallet mobile number, in-app notification, email or any other channel determined by the Organiser.

    a. Monthly Draw prizes for October, November and December 2026 will be credited in the form of e-Mas into the winners’ e-Mas accounts within thirty (30) days after the end of the respective Campaign Month; and
    b. the Grand Prize of 10g e-Mas will be calculated and credited in the form of e-Mas into the winner’s e-Mas account within thirty (30) days after the end of the Campaign Period.

Reward 2: Golden Resolution

  1. Subject to these Terms and Conditions, an Eligible Participant who, during the Campaign Period.
    a. newly sets up an Auto Labur instruction with a scheduled purchase value of at least RM100 per calendar month, and
    b. successfully completes the first scheduled deduction under that instruction, will be entitled to RM5 worth of e-Mas (“Reward 2”).
  1. For the purposes of Clause 15, the minimum threshold of RM100 per calendar month is assessed on the aggregate scheduled purchase value of the Auto Labur instruction over a calendar month, irrespective of the deduction frequency selected by the Eligible Participant. Accordingly:

a. an instruction scheduled at RM100 per month qualifies;
b. an instruction scheduled at an amount greater than RM100 per month qualifies, and no additional reward is payable for the higher amount;
c. an instruction scheduled at a more frequent interval qualifies, maintaining that the scheduled per transaction value is at least RM100; and
d. an Eligible Participant is not required to complete more than one (1) successful scheduled deduction in order to qualify.

  1. Reward 2 is limited to the first three thousand (3,000) Eligible Participants who satisfy Clause 15, allocated on a first-come, first-served basis. Where the number of Eligible Participants who satisfy Clause 15 exceeds three thousand (3,000), the Organiser will rank all Eligible Participants who have satisfied Clause 15 by the date and time at which their first successful scheduled deduction is recorded in the Organiser’s system and will allocate Reward 2 in that chronological order until the limit of three thousand (3,000) is reached. Ranking is determined by the timestamp of the first successful scheduled deduction and not by the time of set-up of the Auto Labur instruction.
  2. Each Eligible Participant is entitled to a maximum of one (1) Reward 2 throughout the Campaign Period, regardless of the number of Auto Labur instructions created, the scheduled purchase value, the deduction frequency selected, or the number of successful scheduled deductions completed.
  3. Existing Auto Labur instructions created before the Campaign Period, unsuccessful deductions, cancelled instructions and transactions that are reversed, refunded, disputed, fraudulent or otherwise invalid shall not qualify for Reward 2.
  4. Where an Auto Labur instruction that qualified for Reward 2 is cancelled, or its scheduled purchase value is reduced below the threshold in Clause 15, within thirty (30) days after the first successful scheduled deduction, the Organiser may reverse or recover Reward 2.
  5. The total cost allocated for Reward 2 is capped at RM15,000.
  6. Reward 2 will be credited in the form of e-Mas into the e-Mas account of each eligible and selected Eligible Participant within thirty (30) days after the end of the Campaign Period.

Reward 3: Golden Countdown Days

  1. The Golden Countdown Days promotional windows will take place on the dates and offer the reward rates set out below (“Promotional Day”):
Promotional Date Reward rate Participant cap Maximum reward
10th October 2026 10% e-Mas gold value Maximum of RM50 per Eligible Participant, per Promotional Day

 

 

 

 

 

 RM5,000 per Promotional Day
11th November 2026 11% e-Mas gold value RM5,000 per Promotional Day
12th December 2026 12% e-Mas gold value RM5,000 per Promotional Day
25th December 2026 12% e-Mas gold value RM5,000 per Promotional Day
1st January 2027 12% e-Mas gold value RM5,000 per Promotional Day

 

  1. To qualify for Reward 3, an Eligible Participant must successfully complete a one-off e-Mas gold purchase of at least RM10 during the applicable Promotional Day. The qualifying minimum purchase amount, participating hours and any excluded purchase channels or funding sources will be as displayed in the Campaign communication or TNG eWallet application.
  2. Reward 3 applies to one-off e-Mas gold purchases only. Auto Labur scheduled deductions that fall on a Promotional Day do not qualify for Reward 3, as those transactions are already recognised under Reward 1 and Reward 2.
  3. Reward 3 will be calculated by applying the applicable reward rate to the value of the successful qualifying e-Mas gold purchase, capped at RM50 per Eligible Participant per Promotional Day. Where an Eligible Participant completes more than one qualifying purchase on the same Promotional Day, those purchases will be aggregated and the applicable reward rate and the RM50 cap applied to the aggregated amount.
  4. Reward 3 is allocated an internal budget of RM5,000 per Promotional Day and RM25,000 in total. All rewards remain subject to the stated participant cap, individual cap and availability. Where the participant cap and budget cap produce different maximum fulfilment amounts, the lower applicable limit shall prevail.
  5. Reward 3 is allocated on a first-come, first-served basis on each Promotional Day, by reference to the timestamp of the qualifying purchase recorded in the Organiser’s system, until the budget allocated to that Promotional Day is exhausted. Any portion of a Promotional Day’s allocated budget that is not utilised shall not be carried forward to any other Promotional Day.
  6. Reward 3 will be credited in the form of e-Mas into the e-Mas account of each eligible and selected Eligible Participant within thirty (30) days after the end of the calendar month in which the relevant Promotional Day falls.
  7. Cancelled, reversed, refunded, failed, disputed, fraudulent or otherwise invalid transactions shall not qualify. If a qualifying transaction is subsequently reversed or refunded, the Organiser may cancel or recover the corresponding reward.

Winner Selection, Notification and Reward Fulfilment

  1. All lucky draw selections will be conducted using a randomisation method determined by the Organiser from the pool of valid Entries. The Organiser’s records and decision on eligibility, Entries, selection and fulfilment shall be final, subject to applicable law.
  2. A selected winner may be required to verify the winner’s identity and provide information reasonably requested by the Organiser within the period stated in the winner notification. Failure to respond, incomplete verification or inability to be contacted may result in disqualification and selection of a replacement winner.
  3. Campaign rewards will be credited in the form of e-Mas or e-Mas cashback/rebate into the Eligible Participant’s e-Mas account, unless the Organiser states otherwise in writing. Rewards are not transferable, exchangeable or redeemable for cash.
  4. The fulfilment timelines stated in these Terms and Conditions for Reward 1, Reward 2 and Reward 3 apply only to Eligible Participants who remain eligible, have completed any verification required by the Organiser, and maintain an active TNG eWallet and e-Mas account in good standing at the time of fulfilment.
  5. The quantity or value of e-Mas credited may be determined using the applicable e-Mas price or methodology at the time of fulfilment. Gold prices fluctuate, and any Ringgit Malaysia value stated in Campaign materials is indicative only unless expressly stated otherwise.
  6. If an Eligible Participant closes, suspends or terminates the TNG eWallet or e-Mas account before fulfilment, or if the account is not in good standing, the Eligible Participant may be disqualified and will not be entitled to the relevant reward.

Other Campaign Terms and Conditions

  1. Eligible Participants may participate concurrently in other promotions or campaigns organised by TNGD during the Campaign Period, unless the terms of another promotion or campaign state otherwise.
  2. By participating in the Campaign, each Eligible Participant agrees that TNGD may use the Eligible Participant’s name, details and photographs for marketing, advertising and publicity purposes in accordance with applicable laws and TNGD’s privacy notice, without additional payment or compensation, where valid consent has been obtained.
  3. Each Eligible Participant shall be personally responsible for any taxes, rates, government fees or other charges that may be imposed under applicable laws in connection with the Campaign or any reward.
  4. TNGD may withhold, cancel or recover any reward, with prior notice where practicable, if an Eligible Participant breaches these Terms and Conditions or the TNG eWallet User Terms and Conditions at https://www.touchngo.com.my/assets/pdf/user-tnc.pdf.
  5. The Organiser reserves the right to alter, shorten, cancel, suspend or terminate the Campaign, in whole or in part, or to vary, delete or add to these Terms and Conditions, by giving notice through TNGD’s website, the TNG eWallet application or social media platforms owned by TNGD, subject to the applicable General Campaign Terms and Conditions and applicable law.
  6. The Organiser may disqualify or reject any participant who does not comply with these Terms and Conditions or who is found or reasonably suspected to have tampered with the Campaign, its process or its operation. Tampering includes fraudulent activity, deceit, deception, abuse, manipulation or any attempt to circumvent these Terms and Conditions.
  7. To the fullest extent permitted by law, the Organiser shall not be responsible or liable for losses arising directly or indirectly from participation in the Campaign, except for liability that cannot lawfully be excluded.
  8. By participating in the Campaign, each Eligible Participant consents to the collection, retention, processing, use, disclosure and sharing of personal data provided or generated in connection with the Campaign, including with TNGD’s group companies, authorised agents and service providers that are subject to confidentiality obligations, for Campaign administration, reward fulfilment, verification, fraud prevention, marketing where consented to, and other related purposes in accordance with applicable laws and TNGD’s privacy notice.
  9. These Terms and Conditions shall be read together with TNGD’s General Campaign Terms and Conditions at https://www.touchngo.com.my/terms-conditions/general-campaign-terms-and-conditions/. If there is any conflict, the more specific provision applicable to this Campaign shall prevail to the extent of the conflict, unless stated otherwise.
  10. These Terms and Conditions are further subject to the terms governing e-Mas and the TNG eWallet. Participation in the Campaign does not constitute investment advice, a recommendation or a guarantee of returns. The value of gold may rise or fall.
  11. These Terms and Conditions are governed by the laws of Malaysia, and any dispute arising out of or in connection with the Campaign shall be subject to the jurisdiction of the courts of Malaysia.
  12. If there is any inconsistency, discrepancy, ambiguity or conflict between the English version and the Bahasa Malaysia version of these Terms and Conditions, the English version shall prevail.

    Please visit https://www.touchngo.com.my or the TNG eWallet Help Centre for more information or inquiries elating to the Campaign.