MOF: RM100 eMADANI Credit Limited to Offline Retail Transactions Only

No, you cannot shop online using eMADANI.

The RM100 eMADANI credit, part of the initiatives under the government’s Belanjawan 2024, is exclusively meant for physical transactions at over 1.8 million retailers and businesses.

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Rm100 emadani credit is limited to offline retail transactions only
For illustrative purposes only. Photo by WeirdKaya.

This initiative aims to boost in-store shopping and benefit local merchants and the retail sector.

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Restrictions on eMADANI credit

The Ministry of Finance (MOF) has outlined specific restrictions for the eMADANI credit in a FAQ. The credit cannot be used for:

  • Peer-to-peer transfers
  • Cash redemptions
  • Integrated utility bill payments through e-wallet apps
  • Government-related fee payments integrated with e-wallet apps.

Furthermore, the credit is not applicable for telecom postpaid and prepaid bills, game purchases, and parking or toll payments, all integrated within e-wallet applications. It’s also restricted from being used for investment-related activities and e-commerce or online transactions.

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Touch n go ewallet tng
For illustrative purposes only. Photo by WeirdKaya.

The move has received mixed reactions online, as some may see that restricting its use solely to e-commerce transactions defeats the purpose of the eMADANI credit.

Who can apply for eMADANI?

To qualify, applicants must be Malaysian citizens, aged 21 and above.

Additionally, their annual income must not exceed RM100,000. A key point to note is that individuals who have already claimed the eBeliaRahmah 2023 are not eligible for this program.

Read also: M’sians With Less Than RM100K Yearly Income Will Be Given RM100 E-Wallet Credit By December

Emadani credit

The government’s decision to set these eligibility criteria reflects a focused approach to assist middle and lower-income groups in the country.

By limiting the credit to those who have not benefited from the eBeliaRahmah 2023, the program ensures a broader distribution of financial aid.

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Where to redeem eMADANI credit?

Four e-wallet service providers are participating in the programme, namely MAE, Setel, ShopeePay and Touch ‘n Go eWallet.  


In addition to the RM100 e-wallet credit provided by the Government, the participating e-wallet service providers will also offer additional incentives in the form of vouchers, cashback, discounts or reward points throughout the programme.

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