First card. First cashback.

Terms & Conditions

Introduction

  1.  “First card. First cashback.” (“Campaign”) is organised by TNG Digital Sdn Bhd (201701042478) (“TNG Digital”).
  2. The Campaign runs from 1 September 2026 to 31 December 2026 (“Campaign Period”).
  3. 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.

Eligible Card

  1. Only the TNG Visa Everyday Card is eligible for this Campaign. Transactions made using the TNG Visa Travel Card does not qualify.
  2. 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?v=sep26.

Campaign Mechanism

  1. Eligible Users who successfully complete qualifying transactions using a TNG Visa Everyday Card during the Campaign Period will be entitled to cashback based on their total monthly qualifying spend, subject to the applicable terms and conditions below.
  2. Cashback is calculated on a per calendar month basis and is determined by the Eligible User’s total qualifying spend accumulated within that calendar month.
    1. 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.
    2. 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.
  3. Each Eligible User may enjoy only one (1) cashback reward per calendar month, based on the tier applicable to their total qualifying spend for that month.

Qualifying Transactions and Cashback Tiers

  1. 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.
    1. 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.
    2. 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.
  2. ATM withdrawals, fund transfers, bill payments, peer-to-peer transfers, in-app top-ups, and any non-purchase transactions are excluded from qualifying spend.
  1. Cashback is calculated based on your total qualifying spend in each calendar month, across three tiers:
    1. Tier 1, Monthly Spend Below RM200: Eligible Users whose total qualifying spend in a calendar month is below RM200 will not receive any cashback for that month.
    2. Tier 2, Monthly Spend RM200 to RM399: Eligible Users whose total qualifying spend in a calendar month is between RM200 and RM399 (inclusive of RM200, exclusive of RM400) will receive cashback at a rate of 0.20% on their total qualifying spend for that month.
    3. Tier 3, Monthly Spend RM400 and Above: Eligible Users whose total qualifying spend in a calendar month is RM400 or more will receive a flat cashback bonus of RM8.00 for that month. The RM8 flat cashback bonus in Tier 3 replaces the 0.20% cashback — it is not cumulative. An Eligible User who qualifies for Tier 3 receives only the RM8 bonus, not RM8 plus 0.20% on spend.
  2. Cashback will be credited to the Eligible User’s TNG eWallet account within fourteen (14) working days after the end of each calendar month.
  3. TNG Digital reserves the right to verify all transactions and may withhold cashback in cases of suspected fraud, refund, chargeback, or cancellation of the qualifying transaction.

General

  1. TNG Digital will not in any way contact users for any personal information or account credentials for this Campaign.
  2. TNG Digital shall be entitled to withhold any benefit(s) under the campaign, if an Eligible User is found to have been in breach of any TNG Digital’s Users Terms and Conditions (https://www.touchngo.com.my/assets/pdf/user-tnc.pdf)
  3. This Terms and Conditions shall be further subject to the General Campaign Terms and Conditions which can be found at https://www.touchngo.com.my/terms-conditions/general-campaign-terms-and-conditions/
  4. Please visit https://www.touchngo.com.my/ewallet/ for more information or inquiries.