Ryt Bank has officially expanded PayLater functionality into its ecosystem in the form of the Ryt Card.
In practice, that means you’re no longer stuck using PayLater just through DuitNow QR. Now, you can choose to pay now or split payments later, whether you’re scanning a QR code, shopping online, or just tapping your card at a terminal.
They’re also throwing in some launch incentives to get people on board. New users get 1.2% cashback on eligible PayLater transactions, and if you’re using the physical Ryt Card, there’s an extra RM12 cashback when you hit five transactions of at least RM20 each, which basically offsets the card fee.
On the usage side, eligible users can get up to RM1,499 in instant credit, and if you clear it within the first statement cycle, there’s 0% interest. And everything ties back into the app too, so you can track spending, manage repayments, and keep tabs on rewards in one place.
Ryt Bank’s next rollout will be Ryt Invest, letting users start growing money in the same space.
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