Book a demo
Employer
Become a Partner

REWARDS ZONE

These Terms & Conditions (“T&Cs”) govern participation in all Bayo Rewards campaigns, which is:

  • Welcome & Win!

By participating in any campaign, users agree to these T&Cs and the general Bayo Rewards Programme Terms.

1. Eligibility

  • Campaigns are open to users with a valid etc.Black account.
  • Users must register and agree to participate in the rewards programme

2. Campaign Mechanics

2.1 Welcome & Win!

  • Trigger: Join etc.Black Rewards Programs upon onboarding of etc.Black App.
  • Reward: 1,000 etc.Black Points credited instantly.
  • Delivery: Instant for initial points
  • Channel: Push notifications.

3. Rewards & Points

  • Rewards are issued to the user’s rewards wallet in the app.
  • etc.Black Points are exchangeable for cashback in etc.Black eWallet or redeemable for eligible transactions, subject to programme terms.
  • Points are non-transferable between users.
  • Rewards not claimed within the redemption period will expire.

4. Campaign Points Redemption Process

  • Once a reward is credited to the rewards wallet, users can:
  1. Open the Rewards Wallet in the app.
  2. Select the points or reward they wish to redeem.
  3. Choose the available redemption option

  • Redemption is subject to availability and applicable limits defined in the rewards programme.
  • Campaign Points are only valid for cashback redemption within the same month they are issued.
  • Rewards must be claimed or redeemed via the rewards wallet. Points cannot be used until they are issued to the wallet.
  • Points not redeemed within the redemption period or the issuing month (for cashback) will expire.
  • Points are non-transferable between users.

5. Notifications

  • Users will receive push notifications and/or in-app banners regarding rewards and campaign updates.

6. Limitations & Exclusions

  • Each user is eligible for one reward per campaign, unless stated otherwise.
  • Fraudulent activity, duplicate accounts, or abuse of campaign mechanics may result in disqualification.
  • Bayo Pay reserves the right to verify transactions and user eligibility.

7. Amendments & Termination

  • Bayo reserves the right to amend, suspend, or terminate any campaign, reward, or mechanic at any time without prior notice.
  • Any decision by Bayo Pay regarding rewards, eligibility, or campaign rules is final and binding.

8. General

  • Participation in campaigns constitutes acceptance of these T&Cs.
  • Users are responsible for ensuring their account information, including birthdate, is accurate.
  • Bayo Pay is not responsible for technical issues, delayed notifications, or system errors affecting reward delivery.

These Terms & Conditions (“T&Cs”) govern participation in all Bayo Rewards campaigns, which is:

  • Happy Birthday! Here’s a Gift for You

By participating in any campaign, users agree to these T&Cs and the general Bayo Rewards Programme Terms.

1. Eligibility

  • Campaigns are open to users with a valid etc.Black account.
  • Users must register and agree to participate in the rewards programme

2. Campaign Mechanics

2.1 Happy Birthday!

  • Trigger: User’s registered birthdate matches current date.
  • Reward: 1,000 etc.Black Points credited instantly.
  • Redemption Period: Valid 30 days from birthday.
  • Channel: Push notification

3. Rewards & Points

  • Rewards are issued to the user’s rewards wallet in the app.
  • etc.Black Points are exchangeable for cashback in etc.Black eWallet or redeemable for eligible transactions, subject to programme terms.
  • Points are non-transferable between users.
  • Rewards not claimed within the redemption period will expire.

4. Campaign Points Redemption Process

  • Once a reward is credited to the rewards wallet, users can:
  1. Open the Rewards Wallet in the app.
  2. Select the points or reward they wish to redeem.
  3. Choose the available redemption option

  • Redemption is subject to availability and applicable limits defined in the rewards programme.
  • Campaign Points are only valid for cashback redemption within the same month they are issued.
  • Rewards must be claimed or redeemed via the rewards wallet. Points cannot be used until they are issued to the wallet.
  • Points not redeemed within the redemption period or the issuing month (for cashback) will expire.
  • Points are non-transferable between users.

5. Notifications

  • Users will receive push notifications and/or in-app banners regarding rewards and campaign updates.

6. Limitations & Exclusions

  • Each user is eligible for one reward per campaign, unless stated otherwise.
  • Fraudulent activity, duplicate accounts, or abuse of campaign mechanics may result in disqualification.
  • Bayo Pay reserves the right to verify transactions and user eligibility.

7. Amendments & Termination

  • Bayo reserves the right to amend, suspend, or terminate any campaign, reward, or mechanic at any time without prior notice.
  • Any decision by Bayo Pay regarding rewards, eligibility, or campaign rules is final and binding.

8. General

  • Participation in campaigns constitutes acceptance of these T&Cs.
  • Users are responsible for ensuring their account information, including birthdate, is accurate.
  • Bayo Pay is not responsible for technical issues, delayed notifications, or system errors affecting reward delivery.

These Terms & Conditions (“T&Cs”) govern participation in all Bayo Rewards campaigns, which is:

  • Send With Love! (First Time Remittance Campaign)

By participating in any campaign, users agree to these T&Cs and the general Bayo Rewards Programme Terms.

1. Eligibility

  • Campaigns are open to users with a valid etc.Black account.
  • Users must register and agree to participate in the rewards programme

2. Campaign Mechanics

2.1 Send With Love

  • Trigger: User makes first-ever remittance ≥ RM100.
  • Reward: 1,000 etc.Black Points 
  • Redemption Period: Valid 30 days from first remittance.
  • Channel: Push notification.

3. Rewards & Points

  • Rewards are issued to the user’s rewards wallet in the app.
  • etc.Black Points are exchangeable for cashback in etc.Black eWallet or redeemable for eligible transactions, subject to programme terms.
  • Points are non-transferable between users.
  • Rewards not claimed within the redemption period will expire.

4. Campaign Points Redemption Process

  • Once a reward is credited to the rewards wallet, users can:
  1. Open the Rewards Wallet in the app.
  2. Select the points or reward they wish to redeem.
  3. Choose the available redemption option

  • Redemption is subject to availability and applicable limits defined in the rewards programme.
  • Campaign Points are only valid for cashback redemption within the same month they are issued.
  • Rewards must be claimed or redeemed via the rewards wallet. Points cannot be used until they are issued to the wallet.
  • Points not redeemed within the redemption period or the issuing month (for cashback) will expire.
  • Points are non-transferable between users.

5. Notifications

  • Users will receive push notifications and/or in-app banners regarding rewards and campaign updates.

6. Limitations & Exclusions

  • Each user is eligible for one reward per campaign, unless stated otherwise.
  • Fraudulent activity, duplicate accounts, or abuse of campaign mechanics may result in disqualification.
  • Bayo Pay reserves the right to verify transactions and user eligibility.

7. Amendments & Termination

  • Bayo reserves the right to amend, suspend, or terminate any campaign, reward, or mechanic at any time without prior notice.
  • Any decision by Bayo Pay regarding rewards, eligibility, or campaign rules is final and binding.

8. General

  • Participation in campaigns constitutes acceptance of these T&Cs.
  • Users are responsible for ensuring their account information, including birthdate, is accurate.
  • Bayo Pay is not responsible for technical issues, delayed notifications, or system errors affecting reward delivery.

These Terms & Conditions (“T&Cs”) govern participation in all Bayo Rewards campaigns, which is:

  • Pay & Get Rewarded! (First Time Bill Payment Campaign)

By participating in any campaign, users agree to these T&Cs and the general Bayo Rewards Programme Terms.

1. Eligibility

  • Campaigns are open to users with a valid etc.Black account.
  • Users must register and agree to participate in the rewards programme

2. Campaign Mechanics

2.1 Pay & Get Rewarded

  • Trigger: User makes first-ever bill payment ≥ RM10 (utility, telco, or internet).
  • Reward: 1,000 etc.Black Points .
  • Redemption Period: Valid 30 days from first bill payment.
  • Channel: Push notification.

3. Rewards & Points

  • Rewards are issued to the user’s rewards wallet in the app.
  • etc.Black Points are exchangeable for cashback in etc.Black eWallet or redeemable for eligible transactions, subject to programme terms.
  • Points are non-transferable between users.
  • Rewards not claimed within the redemption period will expire.

4. Campaign Points Redemption Process

  • Once a reward is credited to the rewards wallet, users can:
  1. Open the Rewards Wallet in the app.
  2. Select the points or reward they wish to redeem.
  3. Choose the available redemption option

  • Redemption is subject to availability and applicable limits defined in the rewards programme.
  • Campaign Points are only valid for cashback redemption within the same month they are issued.
  • Rewards must be claimed or redeemed via the rewards wallet. Points cannot be used until they are issued to the wallet.
  • Points not redeemed within the redemption period or the issuing month (for cashback) will expire.
  • Points are non-transferable between users.

5. Notifications

  • Users will receive push notifications and/or in-app banners regarding rewards and campaign updates.

6. Limitations & Exclusions

  • Each user is eligible for one reward per campaign, unless stated otherwise.
  • Fraudulent activity, duplicate accounts, or abuse of campaign mechanics may result in disqualification.
  • Bayo Pay reserves the right to verify transactions and user eligibility.

7. Amendments & Termination

  • Bayo reserves the right to amend, suspend, or terminate any campaign, reward, or mechanic at any time without prior notice.
  • Any decision by Bayo Pay regarding rewards, eligibility, or campaign rules is final and binding.

8. General

  • Participation in campaigns constitutes acceptance of these T&Cs.
  • Users are responsible for ensuring their account information, including birthdate, is accurate.
  • Bayo Pay is not responsible for technical issues, delayed notifications, or system errors affecting reward delivery.

These Terms & Conditions (“T&Cs”) govern participation in the Etc.Black Referral Program. By participating, users agree to these T&Cs and the general Bayo Rewards Programme Terms.

1. Eligibility

  • The referral program is open to all existing Etc.Black users with a valid and verified account.
  • Only new users who have never Activated Etc.Black app are eligible to be referred.

2. Referral Mechanics

  • Existing users (“Referrer”) share their unique referral code with friends, family, or colleagues.
  • Referred users (“Referee”) must:
  1. Sign up & Activate a new Etc.Black account using the referral code.
  • Once the Referee completes the qualifying action, the Referrer and Referee will receive Etc.Black Points or other rewards as defined.

3. Rewards & Points

  • Rewards are credited to the user’s rewards wallet in the app.
  • Etc.Black Points are exchangeable for cashback in Etc.Black eWallet
  • Campaign points are only valid for cashback redemption within the same month they are issued.
  • Points must be claimed or redeemed via the rewards wallet. Points cannot be used until issued.
  • Points are non-transferable between users.
  • Unclaimed points after the applicable redemption period or issuing month will expire.

4. Limitations & Exclusions

  • Each Referee can only be referred once, and each Referrer can earn rewards per Referee once.
  • Fraudulent activity, duplicate accounts, or abuse of the referral program may result in disqualification of both the Referrer and Referee.
  • Bayo Pay reserves the right to verify transactions, referrals, and user eligibility.

5. Notifications

  • Users will receive push notifications and/or in-app banner regarding referral rewards, campaign updates, and eligibility.

6. Amendments & Termination

  • Bayo Pay reserves the right to amend, suspend, or terminate the referral program, rewards, or mechanics at any time without prior notice.
  • Any decision by Bayo regarding rewards, eligibility, or program rules is final and binding.

7. General

  • Participation in the referral program constitutes acceptance of these T&Cs.
  • Bayo is not responsible for technical issues, delayed notifications, or system errors affecting reward issuance or redemption.