Ryt Bank

RYT BANK RYT CARD RM12 SHOPEE VOUCHER CAMPAIGN TERMS AND CONDITIONS

Effective Date: 21 July 2026

The Ryt Card RM12 Shopee Voucher Campaign ("Campaign") is organised by YTL Digital Bank Berhad ("Ryt Bank / we / us / our") in collaboration with Shopee Mobile Malaysia Sdn. Bhd. ("Shopee").

By participating in this Campaign, you are deemed to have read, understood and accepted these Campaign terms and conditions ("Campaign Terms"). You may seek clarification from us by contacting us if you have any queries in respect of these Campaign Terms.

  1. Campaign Period

    21 July 2026, 12:00PM to 31 August 2026, 11:59PM.

  2. Eligibility

    1. This Campaign is open to customers with a valid Ryt Bank Account who have not previously ordered a physical Ryt Card before the Campaign Period (collectively, the "Eligible Customers", and each, an "Eligible Customer").
    2. The following categories of individuals are not eligible to participate in this Campaign:
      1. Customers whose Ryt Bank Account or Ryt Card is terminated, closed, dormant, frozen, blocked, suspended, delinquent, or not in good standing during the Campaign Period;
      2. Customers who have breached or are suspected to have breached any of these Campaign Terms or any other applicable terms and conditions.
    3. The Campaign is subject to a maximum allocation of vouchers determined by Ryt Bank ("Maximum Allocation"). Vouchers will be awarded on a first-come, first-served basis. Once the Maximum Allocation has been fully utilised, no customers will be eligible, even if they have otherwise met the eligibility criteria and the Campaign Period has not ended.

  3. Campaign Rewards and Mechanics

    1. To qualify for one RM12.00 Shopee voucher ("Reward"), Eligible Customers must fulfil all of the following ("Qualifying Conditions") during the Campaign Period:

      1. successfully place an order for and activate a physical Ryt Card during the Campaign Period; and

      2. complete 3 Eligible Transactions using the physical Ryt Card within 14 days of card activation.

        An "Eligible Transaction" shall mean a transaction that satisfies all of the following criteria:

        (i) A domestic transaction made within Malaysia, processed and settled in Malaysian Ringgit (MYR), and does not involve any foreign currency conversion;

        (ii) An in-store, card-present retail transaction performed using the Eligible Customer's physical Ryt Card;

        (iii) The transaction amount meets a minimum spend of RM20; and

        (iv) Is not a transaction classified under any of the Merchant Category Codes (MCCs) listed here ("Ineligible Transactions"), including:

        • Wallet & Stored Value Top-Ups: Transactions involving the loading of funds into digital wallets or stored value accounts.
        • Gambling & Lottery: Any transaction related to gambling, betting, or lottery services.
        • Quasi-Cash Transactions: Transactions that result in cash-equivalent value (such as gift cards, crypto, or gambling chips).
        • Card-Not-Present Transactions: Transactions without physically presenting the Ryt Card to the merchant.

    2. Upon verification that an Eligible Customer has fulfilled all Qualifying Conditions, the Eligible Customer will be entitled to receive one (1) Reward, subject to these terms and conditions.

      1. The Shopee voucher code will be made available on the Campaign page within the Ryt Bank application. Eligible Customers are responsible for retrieving the voucher code before the end of the Campaign Period and utilising the voucher code by the expiry date stated.

        While we will endeavour to make the voucher code available immediately upon a successful qualifying transaction, it may take up to fourteen (14) Business Days or longer in exceptional circumstances due to technical disruptions, electrical failures, data processing system failures or other failures beyond our reasonable control. We shall not be liable for any delays, nor shall any compensation be payable in connection with such delays.

      2. Each Eligible Customer is only entitled to claim one (1) Reward under this Campaign. For the avoidance of doubt, this applies regardless of the number of Shopee accounts held by the Eligible Customer or the number of qualifying transactions made during the Campaign Period.

      3. The Reward is non-refundable, non-transferable, not redeemable for cash, and cannot be combined or exchanged for a voucher of higher value.

      4. The Reward can only be used in a single checkout transaction. Any unused balance will be forfeited and will not be refunded.

      5. The voucher is valid until its stated expiry date. For the avoidance of doubt, the voucher will become invalid once expired, and no extensions will be granted.

      6. Use of the Reward on the Shopee platform shall be subject to Shopee's terms and conditions, including Shopee Voucher Terms. For further information, please refer to the Shopee Voucher Terms available here. In particular, the Reward is not applicable for ShopeePay wallet top-ups, SPayLater bill payments or any Shopee Financial Services, and purchases of items from the following categories or sellers:

        1. Infant Milk (0–6 months)
        2. Follow-on Milk (6–12 months)
        3. Tickets & Vouchers
        4. Jewellery
        5. Mobile Reloads & SIM Cards
        6. Gaming Top-ups
        7. Selected Electronic Products
        8. Selected New Launch Products
        9. S-Mart Milo
        10. Products from One or Not by Shopee Store, MMA Foundation Store, Shopeegivesback Store
        11. PETRONAS & Setel Fuel Cards, Gift Cards, and E-Vouchers
        12. Apple products from Apple store authorized reseller

        More information can be found here.

  4. Other Terms and Conditions

    1. These Campaign Terms are in addition to and must be read with our General Terms, Specific Terms, and any other relevant terms and conditions as we may impose from time to time with prior notice (each available on our website at https://www.rytbank.my/general-terms-and-conditions). In the event of any inconsistency, these Campaign Terms shall prevail to the extent of such inconsistency.
    2. Some capitalised terms used in this document have been defined in the General Terms or Specific Terms.
    3. We reserve the right to amend these Campaign Terms or terminate this Campaign at any time by giving you prior notice, via publication through any media, or any other mode as we may reasonably choose. Your continued participation after such notification means you have agreed to all such amendments. If you do not agree to the Campaign Terms (including any changes or amendments), you should immediately cease participation of this Campaign.
    4. The records of transactions maintained by us and our decision on all matters relating to this Campaign shall be final and conclusive, and the same will be binding on you for all purposes.
    5. We may, at our discretion and by giving notice to you, disqualify or reject you from participating in this Campaign if we have become suspicious of or aware of any fraudulent activity concerning your account.
    6. In the event of any inconsistency between these Campaign Terms and any advertising, promotional, publicity and other materials relating to or in connection with this Campaign, these Campaign Terms shall prevail to the extent of such inconsistency.
    7. We shall not be liable for any misinterpretation or misrepresentation of facts by any third party in respect of this Campaign offered and published in any media, marketing or advertising material.
    8. We shall not be liable if we are unable to perform in whole or in part any of its obligations in these Campaign Terms due to:
      1. any act of God or any event beyond our reasonable control;
      2. technical failures of any kind, intervention, interruptions and/or electronic or human errors in the administration and/or processing of a transactions performed via the Ryt Bank App.
    9. Subject to Applicable Laws, we, our officers, employees, representatives and/or agents (including without limitation, any third party service providers engaged by us for purposes of this Campaign) will not be liable for Loss you or any other person may suffer in connection with the Campaign howsoever arising, whether direct or indirect and whether reasonably foreseeable or not, unless due to our gross negligence or wilful misconduct specifically related to this Campaign.
    10. We expressly exclude and disclaim any representations, warranties or endorsements, expressed or implied, written or oral, without limitation to those published in any mass media, marketing or advertising materials, including but not limited to, any warranty of quality, merchantability of fitness for a particular purpose.
    11. These Campaign Terms are governed by the laws of Malaysia.