12
Months
Download Now
More limit
More flexibility
Up to RM100,000 credit in minutes.
Credit that fits the
way you spend
With Ryt Credit, you have more room for everyday spending, bigger purchases and unexpected expenses.
Up to RM100,000
More room when you need it.
No late fees
No extra fees for late payments.
0% interest
Pay your full statement balance within your first cycle.
Flexible repayment
Spread your payments over up to 24 months.
One credit limit.
More ways to use it.
Scan any in-store DuitNow QR code.
Use your Ryt Card anywhere, in-store or online.
Choose how you pay
Pay in 1 payment
Pay your full statement balance within your first cycle and enjoy 0% interest.
Pay over time
Spread your payments over up to 24 months.
3
Months
6
Months
9
Months
24
Months*
*24-month instalment plan is available to selected eligible customers only.
Forgot to choose a plan or need more time? Your outstanding balance will be automatically converted into an instalment plan, giving you more flexibility to repay.
How to get Ryt Credit
01. Apply in Ryt Bank app
Complete the required steps to access Ryt Credit.
02. Upload your EPF statement for a higher limit
Complete a simple document check to see your available credit limit, up to RM100,000.
03. Review and accept your offer
Accept your approved limit in full, or set a lower limit if you prefer.
04. Enable Ryt Credit on your Ryt Card
Use your available credit for more ways to spend.
Build your credit with every Ryt Credit repayment.
Each time you repay on time, your credit score improves, unlocking higher limits and setting yourself up for bigger things in life, like your first car or home.
Credit Score