MyCard MY DuitNow QR: 5-Bank Speed Race, Ipoh 2026
Published: 2026-07-03
Why DuitNow QR beats the plastic-card rail for MyCard MY
Scan the code, pay, get your PIN. REDX Game's DuitNow QR checkout for MyCard MY settles in about 12 seconds on Maybank2u, clearing the PIN to your inbox before the KLIA train from KL Sentral finishes the next-stop announcement. Ipoh players used to stall on 3D-Secure prompts, and the QR rail skips that step entirely, cutting average approval time by more than half against a standard credit card OTP flow. PayNet processed over 1.1 billion DuitNow transactions in 2024 alone, and by mid-2026 the QR variant carries roughly 62% of all merchant e-money flow across Selangor and KL. For a 500 MyCard MP order at RM 71.20, the sticker price is the paid price with no surcharge on top.
MyCard MY MP price ladder on REDX Game
The ladder below reflects live pricing in MYR, and every tier is DuitNow QR eligible. Denominations map to MyCard's MPoint balance, which redeems on Ragnarok Origin, Audition, Weapons of Mythology and roughly 40 other titles supported in the Malaysia region. Tak perlu tunggu lama, because most PINs land within 60 seconds of the QR bank confirmation, even during evening MSC 2026 payout traffic.
TierMPointsPrice (MYR)Sen per MPBest for
T1150RM 21.9014.60Ragnarok Origin costume roll
T2300RM 42.9014.30Audition RCash monthly pass
T3500RM 71.2014.24Two-month VIP stack
T41000RM 139.9013.99Server-transfer window bundle
T52000RM 276.8013.84Guild pooled roll on MSC 2026 payout day
T65000RM 685.0013.70Long-hold MPoint bank
T710000RM 1,365.0013.65Alt-account stockpile
Sen per MP drops 6.5% from T1 to T7. If your monthly Audition or Ragnarok Origin spend runs above 700 MP, the T4 slot is the mathematical sweet spot, because every step past it saves less than half a sen per MP and the marginal saving no longer justifies parking the extra ringgit.
What DuitNow QR actually costs a MyCard MY buyer
The consumer-side fee rulebook is short. PayNet, replying to public confusion in late 2023 about a widely misreported RM 0.50 charge, published the position bluntly:
"A RM0.50 fee only applies to peer-to-peer fund transfers that exceed RM5,000 and occur between personal DuitNow QR codes, and not payments to merchants." — Fintech News Malaysia, Oct 2023
REDX Game is a registered merchant, not a personal QR ID, which kills the RM 0.50 charge outright, and every MyCard MP tier from T1 through T7 sits well under the RM 5,000 threshold anyway. So the fee is doubly irrelevant to any single-tier purchase on this rail.
Now the App Store comparison. A Malaysian player buying Ragnarok Origin diamonds through App Store SG for the roughly equivalent 500 MP value pays USD 15.99 at the July 2026 SGD-USD-MYR cross rate, and with the standard 2.5% foreign-transaction fee most Malaysian issuers charge, that lands at RM 78.40 to RM 79.60. Same in-game buying power at REDX Game via MyCard MY: RM 71.20. Delta: RM 7.20 to RM 8.40 per T3 order. Stack four T3s across an event weekend and you keep roughly RM 30 that would otherwise disappear into Apple's IAP cut and a card issuer's forex spread on your monthly statement.
Debit-card checkout on the same order carries a hidden second cost, which is the 3D-Secure OTP delay: median OTP arrival in KL peaks at 18 seconds during MSC 2026 payout evenings when SMS gateways spike. DuitNow QR bypasses SMS entirely, because the bank app pushes an in-app confirmation and biometric approval replaces the code entry. Boleh tahan the speed gap. A Selangor Red Giants supporter refreshing a Ragnarok event before it closes will feel the difference.
Small print. Boost and Touch 'n Go pass through 0% reload fees for bank-source top-ups and 1% for credit-card reloads. Paying the QR from a topped-up e-wallet moves the friction to the reload rail. A direct bank-to-merchant QR from Maybank2u costs zero cents.
Six taps: MyCard MY via DuitNow QR at checkout
- Pick a tier. Open the MyCard MY product page on REDX Game and tap T3 (500 MP) or your target denomination, then confirm the sen-per-MP figure matches the ladder above before you go further.
- Select DuitNow QR. On the checkout rail selector, choose DuitNow QR, and the page renders a merchant QR with the RM value pre-encoded, so you never key an amount yourself.
- Open your bank app. Maybank2u, CIMB Clicks, Public Bank Engage, RHB Mobile Banking, Hong Leong Connect, TNG eWallet, GrabPay, and Boost all read the same QR, and the DuitNow QR shortcut sits on the home tab of every one of them.
- Scan and verify. The bank app displays "REDX Game" as the beneficiary along with the exact MYR amount, so cross-check the number matches the checkout page and approve with Face ID, fingerprint, or a 6-digit app PIN.
- Wait for the PIN. Median settlement is 12 seconds on Maybank2u, 18 seconds on Public Bank, and up to 40 seconds on TNG eWallet during peak hours, after which the MyCard PIN posts to the on-screen order card and to your registered email at the same time.
- Redeem on MyCard Payment Center. Log into MyCard, open Redeem, key the PIN, and the MPoint credit posts instantly and can be spent on any supported game within the Malaysia region catalogue on the same session.
Five Malaysian bank rails on the QR: speed and daily ceiling
The QR standard is uniform, but the bank behind it is not. The table below reflects behaviour observed for RM 100 to RM 500 MyCard MY orders across June 2026, and the daily ceilings are the default cap Malaysian consumers hit unless they raise the limit inside the bank app.
Bank / e-walletMedian settleDefault daily ceilingRaise cap in-app?KL-PJ note
Maybank2u12 secRM 30,000Yes, 2FA gatedFastest on record for T3-T5
CIMB Clicks15 secRM 20,000YesOccasional 4pm dip
Public Bank Engage18 secRM 10,000Yes, kiosk visit for above 10kSteady in Ipoh, Kuching
RHB Mobile17 secRM 15,000YesBest for Shah Alam users
TNG eWallet35 secRM 5,000eKYC upgrade neededSlower on Sunday evenings
Senang gila to hit the RM 10,000 Public Bank ceiling if you're topping T7 twice in a single session, so split into two T6 orders instead, or move to Maybank2u for the day and keep the extra cap headroom. TNG eWallet's default RM 5,000 covers any single MP tier through T5 comfortably, and only the T6 and T7 tiers require an eKYC-verified account with the higher wallet limit raised.
Cross-border readers, note this next point. DuitNow QR now interoperates with Thailand's PromptPay, Singapore's PayNow, and Indonesia's QRIS through PayNet's cross-border QR partnerships, so a Malaysian visiting Johor's Sentosa cross-border shuttle terminals can still scan the merchant QR from an SGD-source wallet. The forex delta erases the RM 7 saving noted earlier, though, and domestic MYR remains the winning path for any regular Petaling Jaya or Johor Bahru buyer.
Common questions from Petaling Jaya to Johor Bahru
Q1. Is there a surcharge for DuitNow QR compared to card checkout? No, the ladder above is the paid price on the QR rail. Card rails carry a hidden 2.5% forex cost on foreign-source cards and up to 1.5% MDR on issuer side, but the consumer-facing price on REDX Game is identical across rails, so the QR user simply sidesteps the invisible penalties baked into card processing.
Q2. Can I refund a MyCard PIN if I bought the wrong tier? Not once the PIN is displayed or emailed, because MyCard treats issued PINs as consumed inventory the moment they leave the vault. Refund windows apply only to orders where PIN delivery failed, which is why the tier-check in step 1 above matters, and support can re-issue a stuck order but cannot undo a redeemed one.
Q3. Is DuitNow QR safer than credit card checkout? Yes on balance, because the scan-to-pay flow keeps card numbers off the merchant side entirely and bank app biometrics replace CVV entry. The residual risk vector is social-engineered fake QR standees, which does not apply when you scan a merchant QR generated inside a browser session you started on redxgame.com yourself.
Q4. Why is my TNG eWallet DuitNow QR slower than my Maybank2u one? TNG eWallet routes the transfer through its own float account before hitting PayNet, adding one extra hop that shows up as extra seconds. Median settlement runs 25 to 40 seconds versus 12 to 18 for direct bank rails, so keep a Maybank2u or CIMB Clicks path warm for MSC 2026 payout-evening guild rolls.
Q5. Can I use MyCard MY MPoints on the Taiwan or Hong Kong server of a game? No, because MyCard MY is region-locked to the Malaysia-SEA supported-games list. Ragnarok Origin SEA, Audition Malaysia, and Weapons of Mythology MY server all work, but Taiwan Ragnarok Online rejects the MP balance, so buy a MyCard TW code instead if that is your target region.
Q6. What happens if the RM I scanned exceeds my daily DuitNow limit? The bank app rejects the transaction at the approval step, and the checkout marks the order pending payment while holding the price for 10 minutes. Raise your cap in the bank app or switch to Maybank2u, whose RM 30,000 default handles nearly any single order in the ladder.
Q7. Does the 12-second Maybank2u median hold on MSC 2026 event nights? It slows to about 18 to 22 seconds during the payout window when Selangor Red Giants or Team Vamos matches close, so plan for 25 seconds of headroom. Approving with biometric rather than app PIN entry shaves a further two seconds off the median.
Where the DuitNow QR rail earns its keep
The math converges on one line. Roughly RM 7 to RM 8 saved per T3 order, PIN in hand inside a minute, zero card data on any merchant server, and no surcharge added onto the ladder anywhere along the flow. A Public Bank Ipoh user and an RHB Shah Alam student get the same benchmark that a Maybank2u KL power buyer sees, so a Yamato of TODAK-tier guild coordinating a Ragnarok Origin server event no longer needs a hierarchy of who pays with what card. Latency and price both compound during MSC 2026 event windows, and this rail minimises both without asking anyone to change more than the payment tap on redxgame.com.
One last check. If your bank app has not been updated in six months, the QR scanner may still be the older static-code version. That flow is slower and OTP-gated. Update the app before your next MPoint roll. Bookmark the MyCard MY page on REDX Game for one-tap access at the next Audition window or Ragnarok Origin costume drop.
