eMadani: A Guide to the RM100 e-Wallet Credit Programme

eMadani is a government initiative that aims to empower Malaysians by providing them with a RM100 e-wallet credit that can be used for purchases at physical businesses through participating e-wallet service providers. This programme is part of the Ekonomi Madani framework that was announced in 2023. In this article, we will explain everything you need to know about eMadani, including the eligibility criteria, the redemption process, the spending options, and the benefits of using e-wallets.

What is eMadani?

eMadani is a programme that offers eligible Malaysians a RM100 e-wallet credit that can be redeemed from one of the three participating e-wallet service providers: Touch ‘n Go eWallet, MAE by Maybank, and ShopeePay. The programme aims to encourage cashless transactions among the rakyat and at the same time, ease their financial burden. This programme is expected to benefit over 10 million Malaysians¹.

Why eMadani?

The government launched eMadani as part of the Ekonomi Madani framework, which is a holistic and inclusive approach to economic development that focuses on the well-being of the people, especially the B40 and M40 groups. eMadani is one of the initiatives under the Ekonomi Madani that seeks to provide direct assistance to the rakyat, stimulate consumer spending, and support the digitalisation of the economy².

How eMadani works?

eMadani works by providing eligible Malaysians with a RM100 e-wallet credit that can be redeemed from one of the three participating e-wallet service providers. The redemption period is from 4 December 2023 to 20 February 2024, and the credit must be utilised by 29 February 2024. The credit can only be used for physical QR code payments at any merchant nationwide, including DuitNow QR code merchants of participating banks and e-wallets¹. The credit cannot be used for peer-to-peer transfers, cash-outs, app-integrated payments, app-integrated games purchases, app-integrated parking and toll fee payments, app-integrated investment related activities, or cross-border QR transactions³.

Who is eligible for eMadani?

The eligibility criteria for individuals to participate in the eMadani programme are:

• Malaysian citizens; and
• Aged 21 years and above as of 2023; and
• Recipients of Sumbangan Tunai Rahmah (STR) based on record as of 7 November 2023 OR earning an annual income of RM100,000 and below based on the Inland Revenue Board’s (IRB) record as of 15 July 2023¹.

You will also be required to perform an electronic Know-Your-Customer (KYC) identity verification process with the selected e-wallet service provider of your choice before applying for eMadani credit¹.

How to check your eligibility?

You can check your eligibility for eMadani by visiting the Portal Manfaat website and entering your MyKad number. You will then receive a verification code via SMS to your registered mobile number. After entering the verification code, you will be able to see your eligibility status and the e-wallet service providers that you can choose from¹.

What if you are not eligible?

If you are not eligible for eMadani, you will not be able to redeem the RM100 e-wallet credit. However, you can still enjoy the benefits of using e-wallets, such as convenience, security, rewards, and discounts. You can also check out other government initiatives that may be suitable for you, such as Bantuan Prihatin Rakyat (BPR), Bantuan Khas COVID-19 (BKC), and Bantuan Khas Sarawakku Sayang (BKSS)².

How to redeem eMadani?

To redeem eMadani, you need to follow these steps:

• Download and register for an account with one of the three participating e-wallet service providers: Touch ‘n Go eWallet, MAE by Maybank, or ShopeePay. If you already have an account with one of them, you can skip this step.
• Complete the KYC verification process with the selected e-wallet service provider. This may involve uploading a photo of your MyKad and a selfie, as well as providing some personal information. If you have already completed the KYC verification process with the selected e-wallet service provider, you can skip this step.
• Tap on the eMadani icon on the main page of the selected e-wallet app and enter your MyKad number. You will then receive a verification code via SMS to your registered mobile number. Enter the verification code and tap ‘Submit’.
• You will receive a notification when your eMadani redemption is successful. You can then view your RM100 e-wallet credit balance in the app and start spending it at any physical merchant that accepts QR code payments¹.

How to choose an e-wallet service provider?

You can choose one of the three participating e-wallet service providers: Touch ‘n Go eWallet, MAE by Maybank, or ShopeePay. You can only redeem the RM100 e-wallet credit from one of them, and you cannot switch to another one after you have made your choice. Therefore, you should consider the following factors before making your decision:

• The availability and accessibility of the e-wallet app and the QR code payment merchants in your area.
• The additional incentives and benefits offered by the respective e-wallet service providers, such as vouchers, cashback, discounts, and reward points.
• The compatibility and integration of the e-wallet app with other services and platforms that you use, such as online shopping, bill payments, transportation, and entertainment¹.

What are the additional incentives and benefits offered by the respective e-wallet service providers?

Each of the participating e-wallet service providers offers different incentives and benefits to attract and reward their users. Here are some examples of what they offer:

• Touch ‘n Go eWallet: Users who redeem eMadani from Touch ‘n Go eWallet will receive an additional RM300 worth of vouchers that can be used for various products and services, such as food and beverage, groceries, health and beauty, entertainment, and more. Users can also enjoy cashback, discounts, and rewards when they use Touch ‘n Go eWallet to pay for tolls, parking, public transportation, petrol, and more.
• MAE by Maybank: Users who redeem eMadani from MAE by Maybank will receive an additional RM600 worth of vouchers that can be used for various products and services, such as food and beverage, groceries, health and beauty, entertainment, and more. Users can also enjoy cashback, discounts, and rewards when they use MAE by Maybank to pay for bills, utilities, telco, insurance, and more³.
• ShopeePay: Users who redeem eMadani from ShopeePay will receive an additional RM600 worth of vouchers that can be used for various products and services, such as food and beverage, groceries, health and beauty, entertainment, and more. Users can also enjoy cashback, discounts, and rewards when they use ShopeePay to shop online or offline, as well as access to Shopee’s ecosystem of services, such as Shopee Farm, Shopee Live, Shopee Games, and more.

How to spend eMadani?

To spend eMadani, you need to use the QR code payment feature of the selected e-wallet app. There are two ways to do this:

• Scan the merchant’s QR code: Launch the e-wallet app and tap on the ‘Scan’ or ‘Pay’ icon. Scan the merchant’s QR code and enter the amount to pay. Confirm the payment and you are done.
• Show your QR code: Launch the e-wallet app and tap on the ‘Scan’ or ‘Pay’ icon. Show your QR code to the cashier and let them scan it. Confirm the payment and you are done¹.

Where can you spend eMadani?

You can spend eMadani at any physical merchant that accepts QR code payments, including DuitNow QR code merchants of participating banks and e-wallets. You can find these merchants by looking for the QR code stickers or signs at their premises, or by using the e-wallet app’s merchant locator feature. Some examples of the merchants that accept eMadani are:

• Food and beverage outlets, such as restaurants, cafes, hawker stalls, and convenience stores.
• Grocery stores, such as supermarkets, hypermarkets, and wet markets.
• Health and beauty outlets, such as pharmacies, clinics, salons, and spas.
• Entertainment outlets, such as cinemas, karaoke, and gaming centres.
• Retail outlets, such as fashion, electronics, and home improvement stores¹.

What can you not spend eMadani on?

You cannot spend eMadani on the following transactions:

• Peer-to-peer transfers: You cannot transfer eMadani credit to another user’s e-wallet account, or receive eMadani credit from another user’s e-wallet account.
• Cash-outs: You cannot withdraw eMadani credit as cash from your e-wallet account, or use eMadani credit to top up your e-wallet account.
• App-integrated payments: You cannot use eMadani credit to pay for utility bills, government related fees, telco postpaid bills and prepaid service top-ups, games purchases, parking and toll fee payments, investment related activities, or any other payments that are integrated within the e-wallet app.
• Cross-border QR transactions: You cannot use eMadani credit to pay for goods and services outside of Malaysia, or to merchants that are not registered in Malaysia.

What are the benefits of using e-wallets?

Using e-wallets can bring you many benefits, such as:

• Convenience: You can pay for anything with just your smartphone, without the hassle of carrying cash or cards. You can also top up your e-wallet account easily through online banking, debit or credit cards, or cash deposits at selected locations.
• Security: You can protect your e-wallet account with a PIN, password, fingerprint, or facial recognition. You can also track your transactions and balance in real time, and receive notifications for every payment. You can also report any suspicious or fraudulent activities to the e-wallet service provider immediately.
• Rewards: You can enjoy various rewards when you use e-wallets, such as cashback, discounts, vouchers, and reward points. You can also participate in lucky draws, contests, and games to win more prizes and benefits.
• Digitalisation: You can support the digitalisation of the economy and society by using e-wallets, which can help reduce the reliance on cash, increase the efficiency and transparency of transactions, and promote financial inclusion and literacy.

Conclusion

eMadani is a government initiative that provides eligible Malaysians with a RM100 e-wallet credit that can be used for purchases at physical businesses through participating e-wallet service providers. This programme is part of the Ekonomi Madani framework that aims to empower the rakyat and stimulate the economy. To redeem eMadani, you need to choose one of the three participating e-wallet service providers: Touch ‘n Go eWallet, MAE by Maybank, or ShopeePay. You can then use the QR code payment feature of the selected e-wallet app to spend eMadani at any physical merchant that accepts QR code payments. You can also enjoy additional incentives and benefits offered by the respective e-wallet service providers, as well as the general benefits of using e-wallets, such as convenience, security, rewards, and digitalisation. eMadani is a great opportunity for Malaysians to experience the advantages of cashless transactions and to support the local businesses. Don’t miss this chance and redeem your eMadani credit today!

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