Cashback on one purchase
Enter one bill in ringgit, the amount the app shows after conversion.
You get back
RM4.20
1.5% of RM280.00
Close to the next tier? At RM300.00 the same bill earns RM9.00 (3%). Adding RM20.00 to this purchase gets you RM4.80 more back. Only worth it if you were going to buy the extra anyway.
Cashback for a whole trip
Split your spending money by bill size. Only payments made in person at a shop or hotel overseas count.
Hotel at check-in, a shopping haul
Group dinners, day tours
Meals, snacks, transport top-ups
Cashback on RM2,500.00
RM39.00
1.6% overall
If every bill were under RM150
RM12.50
Putting the big bills on the card is worth RM26.50 more.
TNG eWallet Visa Travel CardUp to 3% cashback overseasPay overseas in ringgit and get up to 3% back
The rate depends on the size of each purchase, so one big bill earns more than many small ones.
| One purchase of | Cashback |
|---|---|
| RM100 | RM0.50 |
| RM200 | RM3 |
| RM500 | RM15 |
- ✓RM5 off delivery and up to RM35 cashback when you activate the card
- ✓1 free overseas ATM withdrawal a month, then RM10 each
- ✓Works from your TNG eWallet balance. No credit check, no income requirement
Physical in-store spend outside Malaysia only. Card fee RM20 incl. delivery, annual fee RM8 (first year waived). Campaign T&Cs apply.
Is the TNG Visa Travel Card worth it?
Yes, if you pay by card in person overseas and can put bigger bills of RM300 or more on it, the TNG Visa Travel Card pays 3% back for a RM20 card with no annual fee in the first year. If most of your spending is street food and transport, you will mostly earn 0.5%. TNG says there is no markup on overseas spending, so you skip the money changer either way.
TNG Visa Travel Card cashback tier: 0.5%, 1.5% or 3%
The rate is set by the size of each purchase, and it applies to the whole amount. Cashback goes into your TNG eWallet straight after each payment.
| One purchase of | Cashback | Example |
|---|---|---|
| RM2 to RM149 | 0.5% | RM100 bill → RM0.50 |
| RM150 to RM299 | 1.5% | RM200 bill → RM3.00 |
| RM300 and above | 3% | RM320 bill → RM9.60 |
- What counts: paying in person at a shop, restaurant or hotel outside Malaysia. Online purchases are not part of this campaign.
- How long: the campaign runs until 31 December 2027, or until TNG's cashback budget runs out, whichever comes first.
- Refunds: if a purchase is refunded or reversed, TNG takes the cashback back from your balance.
Source: TNG eWallet Visa Card Travel Cashback Campaign 3.0 terms, tngdigital.com.my.
TNG Visa Travel Card fees: RM20 card, RM8 annual fee
| Card fee | RM20, including RM5 delivery |
| Annual fee | RM8, first year waived |
| Overseas ATM withdrawal | 1 free a month, then RM10 each |
| Who can apply | Age 12 and above, eKYC done, living in Malaysia |
| Credit check | None. It is a prepaid card on your eWallet balance |
Through a referral link you pay RM5 less for delivery and get up to RM35 cashback when you activate the card. Your ATM operator overseas may add its own fee on top of TNG's.
Source: tngdigital.com.my Visa Card page and FAQ.
TNG Visa Travel Card vs Wise
| TNG Visa Travel Card | Wise card | |
|---|---|---|
| Cashback overseas | 0.5% to 3% | None |
| Card cost | RM20 + RM8/yr from year 2 | RM13.70 once |
| Overseas ATM | 1 free a month, then RM10 | Free up to a monthly limit, then RM5 + 1.75% |
| Hold foreign currency | No, pays from ringgit | Yes, 40+ currencies |
| Best for | Card payments in shops and hotels | Cash, transfers, long stays |
Many travellers carry both: the TNG card for paying in shops, and Wise for cash and for paying people abroad. If you only want one card and you pay by card more than you withdraw cash, the TNG Visa Travel Card is the one that pays you back.
Wise fees and limits as listed on Wise's own comparison page.
TNG Visa Travel Card vs standard (Everyday) card
| Travel Card | Everyday Card | |
|---|---|---|
| Card fee (with delivery) | RM20 | RM15 |
| Overseas cashback | Up to 3% | None |
| ATM withdrawal | 1 free a month, then RM10 | RM10 every time |
| Annual fee | RM8, first year free | RM8, first year free |
The Travel Card costs RM5 more. One overseas bill of RM300 earns RM9 back, which covers the difference. If you already have the Everyday Card, you can add the Travel Card to the same account, since TNG allows one of each.
Can you use the TNG Visa Travel Card in Malaysia?
Yes. It works at any shop in Malaysia that takes Visa, and it takes the money from your TNG eWallet balance. You just will not earn cashback here, because the campaign only pays on in-store purchases outside Malaysia. TNG also lists selected tolls, selected trains and parking as places you can tap the Visa card.
Good
- ✓ 3% back on any single overseas bill of RM300 or more
- ✓ Cashback lands in your eWallet right after you pay
- ✓ 1 free overseas ATM withdrawal a month
- ✓ No credit check and no income requirement
Watch out for
- ✗ Small bills under RM150 earn only 0.5%
- ✗ Online purchases do not count for the campaign
- ✗ RM10 per ATM withdrawal after the first each month
- ✗ The cashback campaign can end early if TNG's budget runs out
How to get the TNG Visa Travel Card
- 1Open the referral link on your phone and follow it into the TNG eWallet app.
- 2Choose the Visa Travel Card, enter the name for the card and check your delivery address.
- 3Tap Pay Now. With the referral you pay RM5 less for delivery.
- 4When the card arrives, go to Visa Card in the app, tap Activate physical card and scan the QR code on the welcome letter.
- 5Set a 6-digit PIN. Top up your eWallet before you fly, since the card spends from that balance.
TNG eWallet Visa Travel CardUp to 3% cashback overseasPay overseas in ringgit and get up to 3% back
The rate depends on the size of each purchase, so one big bill earns more than many small ones.
| One purchase of | Cashback |
|---|---|
| RM100 | RM0.50 |
| RM200 | RM3 |
| RM500 | RM15 |
- ✓RM5 off delivery and up to RM35 cashback when you activate the card
- ✓1 free overseas ATM withdrawal a month, then RM10 each
- ✓Works from your TNG eWallet balance. No credit check, no income requirement
Physical in-store spend outside Malaysia only. Card fee RM20 incl. delivery, annual fee RM8 (first year waived). Campaign T&Cs apply.
Before you fly: travel insurance
Travel Insurance on Shopee
Best price, instant coverage
- ⚡Flash sale — up to 10% off, best price guaranteed
- 💳SPayLater — flexible instalment payment
- 💰Cashback + ShopeePay coins every purchase
- 🌏Domestic & international coverage
- 📱Easy claims — paid directly to ShopeePay or bank
⏰ Flash sale — limited stock
Kaedah pembayaran:
