What is etc.CLAB Mastercard Prepaid Card?
etc.CLAB Mastercard Prepaid Card is a salary payment card for foreign workers in construction industry in Malaysia. It has Mastercard’s PayPass feature that contains monetary value pre-loaded by the Employer through salary deposit or by the Cardholder through FPX. The Cardholder can use it for retail and withdrawal transactions where the value will be deducted from the Card when transactions are made. The amount of spending is limited to the amount of money stored in the Card at the time of the transaction.
How do I apply the etc.CLAB Mastercard Prepaid Card?
All foreign construction workers will be given a card during the induction session at CLQ (Centralised Labour Quarters).
When can I use my etc.CLAB Mastercard Prepaid Card?
Once you have completed the etc.CLAB Mastercard Prepaid Card activation during the induction session, which will include the e-KYC process and approval (subject to BAYO’s review). After you have reload your etc.CLAB Mastercard Prepaid Card, you are able to use the Card at any available merchants and ATMs that are registered with Mastercard.
Where can I use etc.CLAB Mastercard Prepaid Card?
The etc.CLAB Mastercard Prepaid Card is accepted at all Mastercard merchants locally and internationally. You can perform online and retail transactions as well as cash withdrawals at any ATM registered with Mastercard.
Can I use my etc.CLAB Mastercard Prepaid Card at the self-service kiosk at the petrol station?
Yes, you can use the etc.CLAB Mastercard Prepaid Card at the petrol station’s self- service kiosk. However, a pre-authorisation of RM200 will be withheld from the balance of the Card until the actual amount is received from the acquiring bank. Please note that this process may take 3 to 4 days before the net balance is released back to you. To avoid the amount being withheld via pre-authorisation, you just need to pay at the cashier where the exact purchased amount will be deducted from your Card.
Can I use my card overseas?
To use your card for international transactions, you are required to enable your card to accept international transactions. To do so, you may either contact Bayo Customer Service at +603-7621 5151 or email firstname.lastname@example.org.
What account should I select at the ATM to withdraw cash?
ATMs by different banks or acquirers may have different option selection settings for cash withdrawals. In general, you may choose “Credit Card” in order to proceed with cash withdrawal on your card. Should the option be unavailable, you may contact the ATM provider (independent ATM provider or the bank) for more information.
How do I reload my etc.CLAB Mastercard Prepaid Card?
You can reload your etc.CLAB Mastercard Prepaid Card by logging in to etc.CLAB mobile e-Wallet App and perform a reload via online banking (FPX), or via salary deposit by the employers for foreign workers with no local bank account.
What is my maximum reload limit?
Your approved card limit (App size) is RM10,000. You may reload up to a balance of RM10,000 in your Card at any one time and are subject to a daily reload limit of RM20,000.
What are the fees and charges that I have to pay?
The following tables are the fees and charges imposed on etc.CLAB Card:
Type of Fees and Charges
Fees and Charges (RM)
Reload Fee via FPX
ATM Cash Withdrawal Fee (via Mastercard network enable ATMs) within Malaysia
RM1.00 per transaction
ATM Cash Withdrawal Fee (via Mastercard network enable ATMs) Overseas
RM10.00 per transaction
RM10.00 per annum
(Chargeable if there is no transaction for the year)
Card Replacement Fee
RM15.00 per card (Not applicable for fraud/counterfeit)
Currency Conversion Fee (for purchase/withdrawal in foreign currency)
1% + network charges
Cross-Border Transaction Fee (for purchase via merchants outside Malaysia but charged in Ringgit Malaysia)
0.5% + network charges
Sales Draft Retrieval Fee
RM15.00 per sale draft
Hard Copy of Statement Retrieval Fee
RM5.00 per document
SMS Notification Fee (SMS sent as requested by customer)
RM0.20 per SMS
How do I view my card transaction history and balance?
You may view your transaction history and balance in etc.CLAB mobile e-Wallet App.
What should I do if etc.CLAB Mastercard Prepaid Card is lost, stolen, or faulty?
You must immediately temporarily block your etc.CLAB Mastercard Prepaid Card via etc.CLAB mobile e-Wallet App, or contact Bayo Customer Service at +603-7621 5151 upon discovering that your Card is lost, stolen, or faulty. Bayo Customer Service’s working hours are operational from 8.30 a.m. to 6.30 p.m. Monday to Friday (closed on Public Holidays, Saturdays, and Sundays).
How can I get a replacement card?
You can apply for a replacement Card by contacting our Customer Service via calls at 03-7621 5151 or drop an email to email@example.com. The replacement process might take up to 10 working days.
Will my existing balance be transferred to my replacement card?
Yes, your existing balance will be transferred to your replacement Card within 5 working days from the issuance date of your replacement Card.
How can I terminate my etc.CLAB Mastercard Prepaid Card?
If you wish to terminate your etc.CLAB Mastercard Prepaid Card, please contact Bayo Customer Service at +603-7621 5151 during our working hours.
When can I get the refund of my balance in etc.CLAB Mastercard Prepaid Card?
The balance in your etc.CLAB Mastercard Prepaid Card will be refunded to you within 14 days from your termination date. The balance will be credited to your bank account (maintained with a local bank), which you have provided to us. No refund will be processed if the card is terminated due to fraudulent or suspicious activities.
What should I do if I have a transaction dispute in etc.CLAB Mastercard Prepaid Card?
In the event of any dispute for unauthorised and error transactions, you need to inform Bayo in writing within 14 days from the date of the transactions. Failing which, the transaction shall be deemed true and accurate where you are considered to have accepted the transaction as final and conclusive.
How do I access the Bill Payment?
Bill Payment is available via the etc.CLAB App. To go to the Bill Payment simply follow these steps:
What kind of information will be needed when I make a payment?
Each biller requires different information. You may check the information needed when you select your biller. Please ensure that the bill details are entered correctly before submitting your payment.
Can I pay bills on behalf of others?
Yes, you can pay bills for others if you have their billing details.
Are bill payments processed on the same day?
Not all payee corporations process payments daily. Therefore, to avoid late payment, it’s best to make your payments in advance as required by the payee corporations.
Is Bill Payment easily accessed?
Bill Payment is available 24/7, and you can pay practically from anywhere. All you need is internet access.
Is there any service charge using the Bill Payment?
No, Bayo does not impose any fee for using this feature.
Why can’t I pay my bill?
There are various reasons why you are not able to make a bill payment, as follows:
If the issue persists, please contact Bayo Customer Service at +03-7621 5151 or email firstname.lastname@example.org.
What should I do if my payment failed but money was deducted?
The money will be refunded within 1 business day. You can check your payment and refund status in the “My Purchase” tab under the Marketplace. If you did not receive the refund, please contact Bayo Customer Service at +03-7621 5151 or email email@example.com.
If I overpaid my bill or paid to the wrong account, can I request a refund?
Once a transaction has been successfully paid to the biller, a refund is not possible from our side. You may contact the biller to request a refund. Thus, it is important to ensure that you enter the correct billing details.
How do I view my previous bill payment transaction?
You can retrieve your last 10 bill payment transactions history through the Marketplace page by following these steps:
How do I add my bill account number as a favourite list?
You will need to proceed with the payment first. After successful payment, click on the “add to favourite” button. Enter your desired biller and then click “OK”. A new favourite list will be added to your Marketplace page under the “My Favourite” section.
How do I delete my favourite list when it is no longer needed?
Select the account that you want to remove, then select the “Dustbin” icon at the top right side of the screen, select “Continue” and the selected favourite list will be removed.
Can I still make a payment if my bill is overdue?
Yes, you can still pay for overdue bills.
Besides bill payment, what other products are available in etc.CLAB portal and App?
There are also Mobile top-ups, Gaming Points, Collections, and others.
What is the difference between Pin Top-up & Pinless Top-up?
Pin top-up is an option where users can purchase a mobile top-up with the predefined amount provided, whereas a Pinless top-up is an option where users can purchase a mobile top-up or pay the postpaid bill with a variable amount.
What is a Gaming Point transaction?
It is a game credit online purchase for gaming sites.
What is the Collections category about?
You may use it to make an online payment to specific organisations listed on the page.
What is a remittance service?
It is a service that is offered via a partnership with MaxMoney Sdn. Bhd. (“MaxMoney”), a licensed money service provider. The service is incorporated into etc.CLAB mobile e- Wallet App enables users to send money to beneficiaries in other countries.
Who is eligible to use the remittance service?
All etc.CLAB mobile e-Wallet App users are eligible to use the service.
Why is there a registration process with MaxMoney to use the remittance service?
Bank Negara Malaysia requires a licensed money service provider such as MaxMoney to perform registration on the users and to verify the customer’s identity before they can proceed with remittance transactions.
Are there any charges applicable for the remittance service?
A service fee is charged by MaxMoney and will be included in the final amount to be deducted from your e-App. You may refer to https://www.maxmoney.com/my/help for fees charged by MaxMoney.
What are the minimum and maximum amounts that can be remitted?
The minimum amount that you can remit per transaction is RM50. Refer to the table below for the Maximum amount.
The minimum and maximum amount stated is inclusive of the service fee.
Per Transaction Limit (RM)
Daily Limit (RM)
(App Size RM 10,000)
Not Approved Card
(App Size of RM 200)
How do I access the remittance service?
You may find the remittance service by following these steps:
What is the exchange rate applicable under the remittance service?
Exchange rates are determined by MaxMoney, and it is displayed on the remittance page itself before making the transfer.
To which country can I remit money?
The list of countries may change from time to time, and it is displayed on the remittance page itself before making the transfer.
What is the difference between cash pickup and bank deposit options?
With cash pickup, your beneficiary can collect physical cash from a pickup location determined by MaxMoney, whereas a bank deposit is where the money will be transferred to the beneficiary’s overseas bank account.
Where are the cash pickup locations?
You may refer to https://www.maxmoney.com/my/help for the list of cash pickup locations in the beneficiary country.
Can I cancel the transaction and request a refund on transactions that I have performed?
Yes, the cancellation can be done only if the transaction has not been paid or credited to the beneficiary’s bank account. Kindly contact Bayo Customer Service at +03-7621 5151 or email firstname.lastname@example.org for cancellation requests.
How long does it take to refund?
Once the transaction has been cancelled, a refund takes a maximum of 14 days for the money to be credited back to you.
CASHBACK AND REWARDS PROGRAM
BPSB reserves the right, to amend this frequently asked question (“FAQ”), the transactions eligible for earning points, the number of Rewards Points required to redeem Rewards, as well as the procedures in making the redemption. Amendments to these FAQs shall be posted on BPSB’s website and etc.CLAB mobile e- Wallet App for reference.
Can you tell me what the “Cashback and Rewards Program” is all about?
This Loyalty Points feature in etc.CLAB mobile e-Wallet App is introduced to allow users to earn points and redeem points for Cashback.
The three (3) main components of this feature are as follows: –
How does Loyalty Points work?
The Cashback and Rewards Program is a points-based program for users to earn points which translates into a cashback reward.
Currently, you will be able to earn points by performing the following payment transactions: –
Spend using your etc.CLAB Online Prepaid Mastercard.
RM 1 spent = 1 point
Performing Remittance via etc.CLAB Online mobile e- Wallet App.
RM 1 spent = 1 point
Paying your bills and utilities via etc.CLAB Online mobile e-Wallet App.
RM 1 spent = 1 point
The following transactions are not eligible to earn points: –
You shall be notified of other loyalty points campaigns from time to time.
What can I do with the points collected?
Once you have collected a minimum of 2000 points, you may redeem it for cashback. The conversion rate for redemption is 2000 points = RM1.00 cashback (rounding to the nearest cents). The following will be the formula of points conversion.
Point redeemed / 2000 points = Cashback amount.
If you redeemed 2010 points, you would get RM1.00 cashback.
Calculation: 2010 / 2000 = RM1.005. Thus, your cashback value received is RM1.00 (rounding to the nearest cents)
If you redeemed 2014 points, you would get RM1.01 cashback.
Calculation: 2014 / 2000 = RM1.007. Thus, your cashback value received is RM1.01 (rounding to the nearest cents)
How can I redeem the points?
You can redeem it by logging in to etc.CLAB Mobile e-Wallet App and click on the Payment Menu and select ‘Loyalty Points’ or ‘Points Redemption’ page, and then ‘Enter the points that you wish to redeem’. Once you have successfully redeem, the cashback will be credited immediately into your etc.CLAB mobile e-Wallet App.
Is there any cost involved?
No. The feature is currently Free of Charge.
Who is eligible to earn and redeem points?
The registered Customers with Active account status is eligible for the Loyalty Rewards Program
Will I get my points immediately after making a purchase?
The points will be awarded to you at the time of the successful transaction via etc.CLAB mobile e-Wallet App, while points for spending using the card will be awarded once the settlement has been presented by the merchant which normally takes around one (1) week or more.
Where can I check my points balance, transactions, and expiry?
You can view your points balance, transactions history and expiry by logging in to etc.CLAB mobile e-Wallet App by clicking on Payment menu and selecting Loyalty Points.
Is there any expiry date for my Loyalty Points?
Your points have a maximum validity period of one (1) year and six (6) months. The frequency of expiry is two (2) times a year, on every 30th June and 31st Dec.
I. Points earned from 1st Jan 2022 to 30th June 2022 will expire on 30th June 2023.
Ii. Points earned from 1st July 2022 to 31st Dec 2022 will expire on 31st Dec 2023.
Can I transfer my points to someone else?
No. Loyalty points are non-transferable.
Can I cancel my redemption?
The redeemed loyalty points cannot be canceled and are non-refundable.
If I close my account, will the points still be available?
The loyalty points earned shall be forfeited and are not redeemable if your account(s) has been blocked, closed, canceled, or terminated.
What will happen if my points show a negative balance?
For negative points balance (points shown in bracket), your future points earned will be deducted from the negative balance and you can only redeem it again after you have collected sufficient points for redemption.
In what situation will my points show a negative balance?
The negative point balance will happen when you redeem points, and a refund happens after your redemption. The system will auto-reverse the collection points for the refund transaction.
AFFIN BANK VIRTUAL ACCOUNT NUMBER
What is Affin Bank Virtual Account Number?
Affin Bank Virtual Account Number is a channel which allows you to reload or transfer funds into your card through online or offline bank transfer.
How does the Affin Bank Virtual Account Number works?
You can use the Virtual Account Number to transfer funds from your bank account to your Bayo e-wallet account, similar to a regular bank account, and the funds shall be credited to your card based on the transfer schedule. Do take note that during the transfer of funds, the sender might see Bayo Pay (M) Sdn. Bhd. as the recipient’s name.
How to apply for the Affin Bank Virtual Account Number?
An Affin Bank Virtual Account Number will be provided after you have successfully registered for etc.CLAB Mastercard Prepaid Card. You can view your Affin Bank Virtual Account Number in your etc.CLAB mobile e-Wallet App one (1) business day after your registration date.
Where can I see my Affin Bank Virtual Account Number?
Your Affin Bank Virtual Account Number is shown in your Bayo mobile apps. You may follow these steps to retrieve your Affin Bank Virtual Account Number:
a. Login to your etc.CLAB mobile e-Wallet App.
b. Select the “Dashboard” or “Account” tab.
c. Choose either to copy or to share the Affin Bank Virtual Account details.
What are the minimum and maximum amounts that can be credited through Affin Virtual Account Number?
There is no minimum amount set by Bayo. Please refer to the table below for the maximum amount limits. Please note that the minimum and maximum amount are also subjected to the limits set by the sender’s bank
Per Transaction Limit (RM)
Daily Limit (RM)
(Wallet Size RM 10,000)
Not Approved Card
(Wallet Size of RM 200)
*Please take note that you should not transfer funds where your e-wallet balance would exceed your wallet size
When can I expect the funds to be credited to my card once the transfer is initiated?
You can expect the funds to be credited to your card according to the transfer schedule below.
Funds Received by Affin Bank
Fund Crediting into Your Card
before 10:20 a.m.
by 11:00 a.m.
before 3:20 p.m.
by 4:00 p.m.
before 6:20 p.m.
by 7:00 p.m.
after 6:20 p.m.
by 10:15 a.m. on the next day
What are the specific limitations or restrictions that apply to the Affin Bank Virtual Account Number?
Due to system limitations, it is currently not possible to make an online bank transfer from an Affin Bank Account to your Affin Bank Virtual Account Number and also, cheque deposits are not supported.
Are there any fees or charges for using the Affin Bank Virtual Account Number?
No, there are no fees or charges associated with using the Affin Bank Virtual Account Number. It is provided to our customers as a free service to facilitate convenient and secure transactions.
What should I do if I have questions or issues to use the Affin Bank Virtual Account Number?
Kindly contact Bayo Customer Service Department at 03- 7621 5151 or email to email@example.com for any clarifications related to Affin Bank Virtual Account Number.