Malaysians have started claiming their eMadani credit

KUALA LUMPUR: Some 10 million Malaysians have started redeeming their RM100 eMadani credit, which can be used for physical transactions at 1.8 million retailers or businesses via ewallet or DuitNow QR code.

A total of RM1bil has been allocated for the one-time ewallet credit.

The Finance Ministry said the public can check their eligibility for the credit, which is redeemable until 11.59pm on Feb 20 next year, on the official portal at

Once claimed, recipients must utilise the credit before 11.59 pm on Feb 29, 2024, after which any unused eMadani credit will automatically expire.

According to the Frequently Asked Questions (FAQ) section on the website, the credit, which is expected to benefit over 10 million Malaysians, can be used for in-store purchases through ewallet providers, including MAE, Setel, ShopeePay and Touch ‘n Go Wallet.

To be eligible for the eMadani programme, applicants must be Malaysian citizens aged 21 years or older this year, reported Bernama.

In addition, the applicant must receive the Rahmah Cash Aid (STR) based on records as of Nov 7 or earn an annual income of RM100,000 and below based on Inland Revenue Board records as of July 15.

The applicant must also complete an electronic identity verification (eKYC) with their selected ewallet provider before applying for an eMadani credit.

As part of the programme to promote cashless transactions and ease people’s financial burden, recipients can also enjoy additional incentives such as vouchers, cashback, discounts, reward points, and “coins” from ewallet providers.

Meanwhile, the Finance Ministry warned the public of offers by irresponsible parties providing cash-out or peer-to-peer transfers of eMadani credit, adding that it will not be responsible for any losses.

The ministry urged the public to be aware of scammers and avoid falling victim to those offering eMadani credit cash-out services.

“This is to prevent eMadani beneficiaries from falling prey to scammers and consequently losing their eMadani credit. We advise members of the public to be cautious of such offers.

“Should there be any reports of cases involving peer-to-peer transfers and cash-outs, the government will take stern action against the offenders by blocking their accounts and forfeiting the credit,” the statement said.

The eMadani credit cannot be used for certain transactions, which include peer-to-peer transfers and cash-outs.

“It may only be used for physical purchases via the participating e-wallets, at 1.8 million retailers and businesses nationwide,” it stated.

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