Unlimited 1.2% cashback overseas
Earn on every in-store overseas spend, no cap.
All you need, in one
Ryt Card.
Your sleek, bold card for seamless spending, smarter savings, and total control.
One card,
Two ways to pay.
Two ways to pay.
Pay now
Switch anytime
Ryt Card perks
No annual fees, no hidden charges. Every swipe comes with rewards, savings, and more freedom.
Zero ATM withdrawal fees
Enjoy unlimited domestic ATM withdrawals with no fees.
20% off YTL Hotels premium dining
At a curated list of premium dining spots. View the full list of participating outlets.
View the full terms and conditions.
Ryt Card features
Smarter tools that give you full control, real-time visibility,
and peace of mind, every time you spend.
Pay with Ryt Credit
Choose to pay using your Ryt Credit for greater flexibility on everyday purchases.
Virtual card for online spending
Shop securely online anytime.
No waiting, no hassle.
Instant notifications
Get real time alerts with every notifications.
Track your spending clearly, in real time
Know exactly where your money goes.
Set your own spend limit
Stay in control of your budget, your way.
Instant freeze and unfreeze
Lock or unlock your card anytime, with a single tap.
Customisable security & PIN
Personalise your settings.
You’re always in charge.
Virtual Card
Spend safer online.
Your physical card is for daily use. Your virtual card is for online spending - secure, instant, and always in your control.
Why it's safer to pay online
- 01. Create card and spend instantly
- 02. Delete card instantly if you're worried about a transaction
- 03. Set limits or freeze card easily
Best ways to use it
- 01. Shop on sites you don't fully trust
- 02. Manage subscriptions & freeze to stop surprise charges
- 03. If details leak, replace instantly in-app
One app. Two cards.
Zero worries.