What Is This Ryt Card About?
The Ryt Card is your seamless, all-in-one Visa debit card designed to reward your global spending while giving you powerful control through the Ryt Bank digital ecosystem. It is fundamentally a debit card linked to your Ryt Bank account but includes the flexibility to utilize an integrated credit facility (Ryt PayLater), subject to eligibility.
What Benefits Do I Get?
- Unlimited Overseas Cashback: Earn a massive 1.2% cashback on every in-store overseas purchase, with no limit on how much you can accumulate.
- Zero Foreign Transaction Fee: Pay exactly the amount of your overseas purchase without incurring the bank's foreign transaction fee (Visa's exchange rate applies).
- Free Nationwide ATM Withdrawal: Access your cash easily with zero ATM withdrawal fees at over 10,000 MEPS ATMs nationwide (fee waived until November 30, 2025, or as determined by Ryt Bank).
- Free Card Issuance: Receive your physical Ryt Card with zero card order fees (fee waived until November 30, 2025, or as determined by Ryt Bank).
- Dining Privileges: Enjoy 20% off premium dining at selected YTL Hotels restaurants when paying with your physical card.
- Digital Control: Switch instantly between debit and the optional PayLater credit facility directly in the Ryt App.
Any Other Features?
- Real-Time Security Control: Instantly lock or unlock your card anytime with a single tap in the app for immediate security control.
- Customizable Spending Limits: Set your own spending limits within the app to manage your budget and finances proactively.
- Instant Notifications: Receive real-time alerts for every transaction, giving you immediate visibility and peace of mind on your spending.
- Virtual Card for Online Use: Use the virtual card number for secure online shopping, separate from your physical card details.
- What Smart Tasks Can Ryt AI Automate for You?
- Smart Categorisation: Automatically reads and organises your transactions.
- Bill Reminders: Notifies you of upcoming bills and due dates.
- Auto-Pay Setup: Helps you schedule and automate payments.
- Spending Insights: Gives real-time summaries of where your money goes.
- Personalised Tips: Recommends smarter ways to manage your finances.
- Instant Alerts: Flags anything important that needs your attention.
How Does Ryt AI Keep Your Money Safe in Real Time?
- 24/7 Monitoring: Keeps an eye on your account activity at all times.
- Fraud Detection: Identifies unusual transactions immediately.
- Real-Time Alerts: Notifies you the moment something suspicious happens.
- Encrypted Security: Protects every transaction with secure verification.
- Behaviour Learning: Learns your spending habits to detect anomalies faster.
- Intelligent Protection: Continuously adapts to prevent potential fraud.
What Are the Fees Associated With This Card?
- Card Issuance Fee (Physical Card): Fee waived (until November 30, 2025, or as determined by Ryt Bank).
- Domestic Cash Withdrawal Fee (MEPS SAN): Fee waived (until November 30, 2025, or as determined by Ryt Bank).
- Foreign Transaction Fee: Fee waived (until November 30, 2025, or as determined by Ryt Bank).
- Card Replacement Fee (Physical Card): RM12.00 per card.
- Overseas Cash Withdrawal Fee: RM12.00 per transaction.
What Are the Transaction Limits?
| Limits | Details |
| Card withdrawal (per day) |
|
| Payment for good and services (per day) |
|
Who Is Eligible to Apply?
- General Eligibility: The card is open to all new and existing individual customers of Ryt Bank who have a valid Ryt Bank account (Designated Account).
- Exclusions: Customers whose account or card is terminated, closed, dormant, frozen, blocked, suspended, or delinquent are not eligible.
What Are the Required Documents to Apply for This Debit Card?
- The process is highly digital; the documentation does not specify traditional physical document requirements but confirms that customers must maintain a Ryt Bank Designated Account to use the card.
- Note: Ryt Bank promotes a fast sign-up process (as fast as 2 minutes), which typically requires standard digital verification using an ID.
How Can I Get Ryt Bank Debit Card?
To get a Ryt Bank Debit Card, you need to have a Ryt Bank Savings Account in good standing. You can request your card easily through the Ryt Bank app:
- Open the Ryt Bank app.
- Navigate to the “Cards” section in the bottom tab.
- Follow the on-screen instructions to request your card.
