Finding a useful promotion is not always about getting a discount on something bought from a shop. Sometimes, the saving comes in the form of cashback after completing a financial transaction. For eligible Touch ‘n Go eWallet users, the current 1% Cashback Campaign for CashLoan offers an opportunity to receive cashback when successfully applying for an Alliance Bank CashFirst Personal Loan through CashLoan on the Touch ‘n Go eWallet platform.

The campaign is running from 1 July 2026 until 30 September 2026, giving eligible users three campaign cycles to participate. However, this is a financial promotion rather than a simple shopping deal, so anyone considering it should look carefully at the loan terms, repayment obligations and eligibility requirements before deciding whether the offer is suitable for them.

The campaign is organised by TNG Digital Sdn. Bhd. (TNGD) in collaboration with Alliance Bank Malaysia Berhad. It is open to Touch ‘n Go eWallet users who meet the stated requirements, although employees of TNGD and Alliance Bank, their immediate family members and people directly involved in organising or administering the campaign are excluded.

How Does the 1% Cashback Campaign Work?

The basic idea is fairly straightforward. An eligible user needs to apply for an Alliance Bank CashFirst Personal Loan through CashLoan on Touch ‘n Go eWallet during the campaign period.

If the application is approved, accepted and fully disbursed within the campaign period, the user can potentially qualify for cashback equivalent to 1% of the approved loan amount.

There are several important conditions, though. The applicant must have a minimum verified monthly income of RM5,000, while the approved loan amount must be at least RM12,000.

The first loan instalment must also be successfully paid before the cashback reward can be awarded. In other words, this is not a case of submitting an application and immediately receiving RM cashback. There is a proper eligibility and verification process before the reward is credited.

For anyone considering the offer, this distinction is worth remembering because the cashback should be viewed as an additional benefit rather than the main reason for taking out a personal loan.

How Much Cashback Can Be Received?

The maximum cashback depends on the approved loan amount. Since the reward is calculated at 1%, a larger approved amount can result in a larger cashback reward.

For example, the campaign provides the following cashback ranges:

• An approved loan of RM12,000 up to RM15,000 can qualify for RM120 to RM150 cashback.
• More than RM15,000 up to RM30,000 can qualify for RM150 to RM300 cashback.
• More than RM30,000 up to RM50,000 can qualify for RM300 to RM500 cashback.
• More than RM50,000 up to RM100,000 can qualify for RM500 to RM1,000 cashback.
• An approved loan of more than RM100,000 can qualify for cashback ranging from RM1,000 to RM1,500.

The cashback is capped according to the campaign’s stated tiers, and each eligible user can only receive one cashback reward throughout the entire campaign period, regardless of how many applications are submitted or approved.

That means applying multiple times does not mean collecting multiple cashback rewards.

There Is a Limited Number of Cashback Rewards

Another important point is that this promotion is not unlimited.

There are 450 cashback rewards available in total, divided equally across three campaign cycles. Each cycle has 150 cashback rewards available.

The three cycles are:

Cycle 1: 1 July to 31 July 2026
Cycle 2: 1 August to 31 August 2026
Cycle 3: 1 September to 30 September 2026

The cashback allocation is on a first-come, first-served basis. The relevant date is based on when the approved loan is successfully disbursed, according to Alliance Bank’s records and the information provided to TNGD.

This is one reason eligible users should not assume that simply meeting the requirements automatically guarantees cashback. Once the allocated rewards for a particular cycle have been taken up, there may not be another reward available for that cycle.

As the campaign is currently running during August 2026, anyone interested should also take note that the second campaign cycle is approaching its end, followed by the final September cycle.

When Will the Cashback Be Credited?

Patience is required after meeting all the requirements.

The cashback is expected to be credited into the eligible user’s Touch ‘n Go eWallet account within 90 days after the end of the relevant campaign cycle, subject to successful verification and operational processing.

Eligible users may also receive a push notification through the Touch ‘n Go eWallet app once they have been identified as qualifying for the cashback.

It is therefore a good idea to keep the eWallet account active throughout the campaign and until the cashback fulfilment process has been completed.

If the account becomes suspended, blocked, dormant, closed, terminated or otherwise unable to receive the reward when it is due, the cashback may be forfeited.

Why Should Eligible Users Consider This Promotion?

For someone who already has a genuine need for personal financing and is eligible for the Alliance Bank CashFirst Personal Loan, the 1% cashback can be a worthwhile extra benefit.

A cashback of RM120 or RM150 may not sound huge at first, but the reward can reach up to RM1,000 or even RM1,500 depending on the approved loan tier. For an eligible borrower who is already planning to take out a qualifying loan, receiving additional cashback can make the overall offer more attractive.

However, the important part is not to borrow simply because cashback is available.

Taking out a personal loan creates a repayment commitment, so the monthly instalments, applicable rates, fees, charges and total repayment amount should be considered carefully. The campaign itself reminds users to borrow only what they need and can afford to repay.

Alliance Bank remains responsible for assessing and approving the loan application. Touch ‘n Go Digital does not provide the credit and does not influence Alliance Bank’s approval decision.

Before accepting any loan offer, potential borrowers should review the relevant Product Disclosure Sheet and financing information, including the applicable rate, fees, charges and total repayment.

A Promotion Worth Checking, But Only If the Loan Makes Sense

The appeal of this campaign is simple: eligible Touch ‘n Go eWallet users who successfully obtain a qualifying Alliance Bank CashFirst Personal Loan through CashLoan may receive an additional 1% cashback.

The promotion is especially interesting for people who already have a legitimate financing requirement and meet the RM5,000 monthly income requirement. Instead of ignoring the cashback benefit, they can compare the available financing terms and see whether the overall offer fits their financial situation.

At the same time, cashback should never be the deciding factor for taking on debt. A RM500 cashback, for example, is not a bargain if the loan creates repayments that are difficult to manage.

For those who are already considering a qualifying loan, the promotion is worth checking before the campaign ends on 30 September 2026. The limited allocation also means eligible users should pay attention to the first-come, first-served condition.

For the latest information, full terms and further enquiries, users can visit Touch ‘n Go’s official website. The campaign terms also refer to the Touch ‘n Go User Terms and Conditions and the General Campaign Terms and Conditions.

Overall, this is a cashback promotion best suited to people who genuinely need personal financing and can comfortably manage the repayments. If that describes the situation, checking the CashLoan offer and the campaign requirements could potentially put some extra money back into the Touch ‘n Go eWallet account.

Promotional/Event Details

Date: 1 July 2026 to 30 September 2026

Time: Throughout the campaign period, subject to the applicable application, approval, acceptance and disbursement requirements

Venue: CashLoan via the Touch ‘n Go eWallet app, Malaysia

Merchant/Brands: Touch ‘n Go eWallet / TNG Digital Sdn. Bhd. in collaboration with Alliance Bank Malaysia Berhad

Promotion: Up to 1% Cashback Campaign for eligible Alliance Bank CashFirst Personal Loan applications through CashLoan

Eligibility: Touch ‘n Go eWallet users who meet the campaign requirements, including a minimum verified monthly income of RM5,000

Minimum Approved Loan: RM12,000

Cashback: 1% of the approved loan amount, with the stated cashback ranging from RM120 to RM1,500 depending on the approved loan tier

Total Rewards: 450 cashback rewards throughout the campaign, allocated on a first-come, first-served basis across three campaign cycles

Important: Loan approval is subject to Alliance Bank’s credit assessment. Users should borrow only what they need and can afford to repay.