Ryt Bank

RYT BANK GROUP REWARDS X FOODPANDA VOUCHER CAMPAIGN TERMS AND CONDITIONS

Effective Date: 22 July 2026

The Ryt Bank Group Rewards x Foodpanda Voucher Campaign ("Campaign") is organised by YTL Digital Bank Berhad ("Ryt Bank / we / us / our") in collaboration with Delivery Hero Malaysia Sdn Bhd ("Foodpanda").

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

    22 July 2026, 12:00pm to 21 October 2026, 11:59pm

  2. Eligibility

    1. This Campaign is available only to users of Ryt Bank's "Ryt Groups" feature, subject to the conditions set out below.

      (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 terms and conditions applicable to the Ryt Bank Account.

    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 for the cashback.

  3. Campaign Mechanics and Reward

    1. To be eligible for the reward under this Campaign, all of the following conditions must be fulfilled ("Qualifying Conditions") during the Campaign Period:

      1. a bill is split via the Ryt Groups feature, and paid for upfront by a group member (the "Settlee"); and

      2. other Ryt Group member successfully settles their share of the bill to the Settlee, with the settlement reaching final success status (a "Qualifying Settlement").

    2. The Settlee is the sole reward recipient. The group member settling their share to the Settlee does not receive any reward in respect of that settlement.

    3. A Settlee who fulfils the Qualifying Conditions may be entitled to one (1) Foodpanda voucher code for their first Qualifying Settlement within the Campaign Period ("Reward").

      1. The Foodpanda voucher code will be made available on the Campaign page within the Ryt Bank application once the Settlee has been verified as 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.

      2. While we will endeavour to make the voucher code available immediately upon a Qualifying Settlement, 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.

      3. Each Settlee is only entitled to claim one (1) Reward under this Campaign. For the avoidance of doubt, this applies regardless of the number of subsequent Qualifying Settlements received by the Settlee during the Campaign Period.

      4. A customer who has previously redeemed the same Foodpanda voucher code, whether obtained under this Campaign, another voucher distribution by the Bank, or directly via Foodpanda's own platform or campaigns, will not be able to redeem it again, and no replacement or alternative Reward will be provided in such circumstances.

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

      6. Settlements completed before or after the Campaign Period will not be rewarded.

      7. The voucher code must be claimed on the Campaign page before the end of the Campaign Period. Voucher codes not claimed by the end of the Campaign Period will no longer be retrievable.

      8. Use of the Reward is subject to Foodpanda's own terms and conditions, including its stated validity period and usage conditions, which are determined solely by Foodpanda.

  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 here). 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. For campaigns involving third-party merchants (i.e., parties other than Ryt Bank), we are not an agent of the merchant and make no representation regarding the quality of goods or services provided. Any dispute concerning such goods or services shall be resolved directly between you and the merchant.

    8. 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.

    9. 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.

    10. 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.

    11. 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.

    12. These Campaign Terms are governed by the laws of Malaysia.