A. User Agreement

1. This Campaign is held by True Money Malaysia Sdn. Bhd. By participating in this campaign, True Money Malaysia E-wallet application users (“Users”) hereby agree to be bound by these terms and conditions and any decisions made by True Money Malaysia in respect of the Campaign shall be final and binding.
2. This User Agreement shall be read together with the Campaign Terms and Conditions, True Money’s Terms and Conditions, True Money’s Terms of Services, as well as True Money’s Privacy Policy and Statement.
3. In the event of any conflict or inconsistency, such conflict or inconsistency shall be resolved by the following order of precedence (i) This Campaign’s Terms and Conditions; (ii) True Money’s Terms and Conditions; and (iii) True Money’s Terms of Services (accessible in the TrueMoney mobile application under Account → About Us → Terms of Service – eWallet).
4. True Money reserves the right to forfeit any of the offers/prizes for this Campaign if the user has breached any of the Terms and Conditions as mentioned above. 

B. Campaign Terms and Conditions

1. Campaign Period
   The Campaign will commence on 1 November 2026 at 12.00:00 AM and will end on 31 December 2026 at 11:59:59 PM, both dates inclusive or until Cashback Rewards (as defined in paragraph 3.2 below) are fully redeemed, whichever occurs earlier.
2. Eligibility
   All TrueMoney E-wallet users who are legal residents of Malaysia and aged 18 years and above as stated in their Identity Card/Passport (as at 1 November 2026)
3. Campaign Mechanics
   1. Users shall be entitled to receive various rewards upon completing the actions outlined in the table in paragraph 3.2 below. Each eligible user is limited to one (1) redemption of each Spend Tier reward per calendar month, subject always to availability.
   2. Spend Tier Rewards
      A tiered cashback reward will be given instantly each time a Spend Tier is achieved in a calendar month during the campaign period, as shown in the table below:

   Tier	Spend Tier	Rewards	Eligibility
   1	Cumulative spending of RM300 till RM499.99	RM10 cashback	Any spending made via TrueMoney Wallet is eligible except for Lotus’s, DuitNow QR, game credit top up, Allianz Insurance, Truely, International Remittance, money transfer, and TrueGift. Eligible users are limited to only ONE (1) time redemption of each Spend Tier reward per user per calendar month. The total cashback a user can earn is up to RM60 per calendar month. The Spend Tier Rewards is subject to availability and may end earlier if the total cashback allocation is fully utilised before the end of the campaign period.
   2	Cumulative spending of RM500 till RM999.99	RM15 cashback
   3	Cumulative spending of RM1,000 and above	RM35 cashback

4. Cashback rewards and the eligible spend for Spend Tier will reset at the beginning of each month during the campaign period from November to December 2026. Any spend accumulated in one month will not carry over to the following month.
5. Enquiry
   For any enquiry on the campaign, please get in touch with our Customer Loyalty Team through the following channels:
   a) Email: [email protected].
   b) In-App & Website Live Chat: Available Monday to Fridays from 9.00am to 6.00pm (excluding public holidays)