E-Tunai Rakyat 2020: RM30 eWallet Credit (Full Guide)

The government introduced the e-Tunai Rakyat Program during Belanjawan 2020 (or Budget 2020), which was announced back in October 2019. It's a programme to accelerate the greater use and adoption of e-wallets and digital payments.

I'm not sure about you, but Belanjawan 2020 felt quite underwhelming if you were expecting goodies. Nevertheless, the e-Tunai Rakyat is one of the most "enticing" things presented this year as 15 million eligible Malaysians will receive a one-off payment of RM30 via their e-wallet.

Now in December, we've finally gotten more details on how eligible Malaysians are able to claim their share of RM30.

Here are some important information you should know:

1. Who is eligible for the e-Tunai Rakyat 2020? You are eligible if you:

  • Are a Malaysian citizen with NRIC.
  • Are 18 years and above in 2020.
  • Have an annual income of less than RM100,000.

2. When can you start claiming your free RM30 incentive?
Beginning 15th January 2020, users can submit their application. The programme will end on 14th March 2020.

3. How do you claim the e-Tunai Rakyat RM30 incentive?
You can claim the RM30 incentive through either Boost, GrabPay, or Touch ‘n Go eWallet. These three e-wallet service providers are the only partners chosen. You just need to download the app and verify your identity and account once (if you haven't already). The process may vary for the different e-wallets, but all should take no more than 3 steps. This verification process usually involves you taking a photo of your NRIC and a selfie.

Some basic background info of these service providers:

  • Boost is the e-wallet developed by Axiata Digital Services Sdn Bhd,  the digital services arm of Axiata Group Bhd (known for Celcom telco).
  • GrabPay is the e-wallet developed by Grab, famously known for its ride-hailing services.
  • Touch ‘n Go eWallet is the e-wallet developed by TNG Digital, a joint venture between Touch ’n Go Sdn Bhd and Alibaba’s mobile payment giant Ant Financial Group (formerly known as Alipay).

4. Can we claim or redeem this RM30 incentive from only one e-wallet or from all three?
You can only claim this RM30 incentive once from the e-wallet service provider (Boost, GrabPay, or Touch n' Go eWallet) of your choice.

5. Since the purpose of this programme is to promote the usage of e-wallets, users will not be able to withdraw, cash out, or transfer the RM30 incentive. So... just spend the money ;)


Coincidentally, I've been using these e-wallets from time-to-time, so I thought I'd share some info based on my personal experience. This is probably a useless information but Boost was actually the first one to send me a push notification about e-Tunai.

Here are some reasons for using (or choosing) the following e-wallets: 

1. Boost 
  • BoostUp, Boost's loyalty programme, lets you shake and earn rewards with every transaction. More info on BoostUp here.
  • CashUp (Boost's cashback for online shopping - similar to ShopBack)
2. Grab 
  • Grab rides (e-hailing)
  • GrabFood (food delivery services) 
  • GrabRewards, Grab's loyalty programme. Each GrabPay transaction earns you points under GrabRewards which can be used to redeem deals. More info on GrabRewards here.
3. Touch n' Go eWallet 
  • Toll rebates, RFID, and PayDirect (pass through tolls as usual with your added Touch 'n Go Card(s), but toll fares will be deducted directly from your eWallet).
  • Lazada purchases 

Common usage: Payment for street parkings, prepaid mobile credit reload or top up, movies, flights, utilities, bills (like Astro and Indah Water), and groceries.
Merchants database: Boost (125,000 merchants), Touch n' Go eWallet (110,000 merchants).


Sign up for Boost here. Use my Invite Code 'tantadm'. Get RM5 reward when you upgrade to Premium Wallet and spend RM10 in a single transaction.
Sign up for Touch n' Go e-wallet here. Use my Referral Code 'rhcv3j' and register for the Touch 'n Go eWallet to get 100% Toll Rebates. You get 3x rebates right away.

Disclaimer: By signing up and using the code above, you're helping me too!


More information can be obtained here:
1. Boost
2. GrabPay
3. Touch n' Go


Last but not least, do leave a comment if you have any question or if I missed out anything. If you have additional information and would like to share with others, let me know! I'll add those info to this post and credit to you as well.

I'll also be updating this post from time to time to make this piece as informational and useful, so do come back for more!

What A Khat-asrophe

(Photo: EPA)

Khat. The word that has been used a lot in the last week or so. Even though some of us probably heard of this word for the first time this weekend.

In case you're not in the loop yet, basically there's a huge debate on whether or not the art of khat (a form of calligraphy writing based on Jawi) should be introduced in national schools, including Chinese schools (SJKC) Tamil national schools (SJKT) next year. 

Some crucial facts of the matter and to put things into perspective:

1. The Ministry of Education (MOE) is not introducing khat as a new subject
As the issue is at its infancy stage (since it only gained attention recently), I think many are still not aware that it will be introduced as part of the Bahasa Melayu subject. And the MOE will not be assessing students on their mastery of the art.

2. Unless you've been following the issue closely, you might not know that the introduction of khat covers only 6 pages Somehow it's not reported enough but word should travel further as the days goes by. Khat will be introduced to students in Standard 4, in the new book which reportedly comprises of 162 pages for 24 chapters. Out of this 162 pages, khat lessons will take up to six pages - that's about less than 4%. The Malaysian Insight said in its report today that that the proposed draft which is still yet to be finalised, has a section on khat with "two aims – to show pupils how Jawi is used in Bahasa Melayu and to impart the values behind the terms." 

I believe the issue got nationwide attention after the MOE released an official statement about the matter on 2 August. It was said that the ministry had to respond to the matter allegedly because certain Chinese press were making a big deal out of it and using to fear-monger. Also interesting to note, that Dong Zong and Jiao Zong — the two major Chinese education associations (collectively known as Dong Jiao Zong) who are at the forefront of the protest against the implementation of khat alongside some members of political parties like DAP, MCA, and Gerakan — have come forward and slammed reports by Sin Chew and Utusan that claimed that they were going to organise a rally to stage a protest.

There are three major camps right now, I think.

1. Those who worry about cultural assimilation 
There have been claims that this implementation is a subtle attempt at Islamisation. Though to this, the MOE and various parties including experts have dismissed claims that khat was related to religion or Quranic teaching.

2. Supporters said this would deepen the next generation's appreciation for Jawi, which is part of Malaysia's identity and history

Many pointed out that Malaysians had no issue with Jawi, as old signboards are here to remind us how the society had been decades ago. With their express of support, they have also dismissed claims of assimilation. Even DAP adviser Lim Kit Siang, who taught himself Jawi when he was first detained under the Internal Security Act (ISA) in 1996, concurs that learning khat did not make him "any less of a Chinese, and may have helped in making him more of a Malaysian".

3. Opposers asked what sort of policy is this and how does it help in nurturing the next generation
There's a segment of the public that have questioned what is the priority of the MOE, often bringing up how implementations like this would help to equip kids to be prepared to face the challenges of Industrial Revolution 4.0.

Basically, we just need to refer to the official statement from the MOE to see where all this is coming from. It's pretty clear:
  • Plan for its introduction had been implemented through a review of the curriculum since 2014 (when PH was still not government yet)
  • The goal of introducing of khat as it is an integral part of Malaysia’s national identity and Bahasa Melayu, which is the national language and the language of unity
  • The MOE is committed to building a Malaysia which is well-versed in the nation's traditions
Perhaps if the issue was coding and not khat, then whole situation would be entirely different? By the way, coding is set to be taught to Standard 4, 5, and 6 students from next year.

Anyway, Prime Minister Mahathir has pretty much shut down everyone (mainly critics) by saying that the decision to introduce khat is final. So I guess, case closed? Or not.

Let's get this straight. The MOE has always been rocked and dented by political interference. Did anyone keep up with the number of times the syllabi and the medium of instruction have been changed? I've lost count myself.

Here's the conundrum: What is education to you? I personally think this whole issue has been blown out of proportion but let's take this as an opportunity for us to discuss whether indeed the new government is setting things in motion to ensure that we, as a nation, are going towards the right direction - this begs the question: what is the vision and mission of the MOE?

For Finland, a country that often dominates the top rank in the world’s education competitiveness, it's clear that their main goal is equity over excellence through a holistic teaching environment. On the other hand, our neighbours in Singapore is known for their merit-based system and reputed for producing high-flying achievers, though it is not without criticism.

What about Malaysia?

We need answers, clear directions. And most importantly, get. the. word. out. Yes, these information of plans and implementations might be accessible here and there, but let's be real here: how many Malaysians would actually care enough to find out themselves?

The people in power need to communicate effectively, aggressively. The government has changed but the polarised atmosphere of Malaysia hasn't. We have to admit that one of the reasons this khat issue has gotten so much attention is because for far too long, many policies have been viewed racially, religiously. This is no different. 

The public is anxious that what they consider to be pressing matters of schools have yet to be addressed. Even if these legacy issues were actually being addressed, then the MOE is certainly doing a lousy job in PR because these reforms or plans are not getting the attention that they deserve.

Special officers to the Education Minister, and those working directly with the MOE can go on talking about wanting to make changes, the plans in place, the challenges and difficulties, and everything else... but the fact is when people don't even see the results - even if it's already done - then, what's the point? I'm not dismissing their effort, but the reality is, the MOE is constantly under the scrutiny of the media and the public, and is definitely part of the game of politics. It's the battle of public perception.

I digress. 

We'll forget about this issue and move on the next soon, but how many times do we have to go through this? 

That One Habit That Will Save You From Losing Money

I'm probably gonna sound like a nagging mom. But like most mums out there, I probably have a valid reason for nagging (here).

So, let me begin by telling you experience related to Grab, specifically the e-hailing service, and GrabPay, the company's e-wallet.

I'm not a frequent Grab user, but recently I read about this person's terrible experience with Grab's services. So this person, a Platinum member, was sharing about how she was overcharged by her Grab driver. This led to her requesting for a refund from Grab but it was a difficult process: she had called and sent emails but there was not a word back from Grab. Long story short, she did not get back what was rightly hers, and warned others to be careful and always check their receipts.

So this happened to me just a few days after I read about her ordeal on social media.

I was travelling from my office to the MRT station using GrabCar and once I got off the car - I immediately checked my receipt and my first reaction... well, I was quite annoyed that it really happened.

What is the "Others" there for? Now, I know it's only RM1... but I'm a firm believer of sedikit-sedikit lama-lama jadi bukit.

The journey was short as it was just about 2km in distance or 5 to 10-minute ride, max. There was no toll, nothing - so what's that RM1 for?

There's no proof whether this was an unintentional mistake or not by the driver, though to be honest I'm inclined to believe it is not cause I think drivers would need to take extra steps to key in the additional figure.

Anyway, I immediately filed a case via the app because "I paid more than quoted". Submitted a screenshot of the transaction and this was my exact description of the case: "I've been charged extra. What is "others"? There was no toll or anything like that in my route. I want a refund."

Lol, in hindsight I think it sounded super crude but I think I went straight to the point...?

At least there was a proper avenue for this kind of case. About one or two weeks before this incident, I was having issues with their rewards system and there was no way for me to lodge a complaint via the app so I had resorted to social media by contacting Grab via Twitter. But that's another story for another day, I digress.

I filed my case almost immediately after my ride, and got an email back from Grab that I would be receiving my refund in GrabPay Credits about three hours after that. Gotta say that they are definitely efficient in this case. However, they did not offer any explanation on why I was charged wrongly in the first place and they did not mention if they would take further action to ensure things like this won't happen again. So, I just hope this doesn't happen often because the existing system definitely has its flaws.

Case closed. I got my credits back. I'm wary of the driver involved but I didn't rate him at all in the end. I probably should have. Hm.

Anyway, as I was relaying this story to my family and friends and nagging them to check their receipts - especially if they're using GrabPay to pay for their rides - I realised that this is a good practice for pretty much everything else when you're dealing with money.

I mean it's almost always second nature to me to check my receipts previously but because of this cashless thing going on, sometimes I neglect it because its so convenient right? So there's no harm to double, triple check whenever you're:

1. Making an online transaction, even if it's to a favourite account
2. Paying for using cash whether at the grocery stores or after a meal
3. Making any transaction using any e-wallet

Alternatively, I know, in the case of using GrabCar, you can avoid this situation of going through a dispute or asking a refund etc by going through the old school way of paying by cash - but still, make sure you're being charged the right amount and only pay the correct amount (and receive the right amount of change if any).

TL;DR: Just check your receipt, guys. You might won't be losing any money unnecessarily that way.

I'd just like to add this since this somewhat related. Did you know: If you head to any store and if you take an item to the cashier and is told the price on the tag or label is a mistake, you have every right to buy the item at the lower price - even if the price displayed at the checkout counter is higher. Source: KPDNHEP

Be a smart consumer, you guys. :)

Move WhatsApp Media To Your SD Card: How To Do It With 1 Single Tap

Since you've landed on this page, I'm guessing that your WhatsApp media is taking up too much space on your smartphone, and probably have tried to move the app to your SD card but to no avail - because the option's not available on the application settings. 

And now you're desperate - trying to figure out how to free up space without deleting your WhatsApp media.

So, there's actually a way - and this method worked for me on my Samsung device. Unfortunately, I don't have access to other smartphones to test to see if the feature's available for other phones as well.  

I'm currently using a Samsung A7 (2017) which is operating on Oreo and it worked.

Basically, what you need to do is to use the 'Storage booster' on your phone. When I was running low on storage, Samsung automatically prompted me and suggested me to use it to free up the internal storage. But if you didn't get the prompt or notification, it's likely that you can't launch it even though you could see this under the list of Apps on your phone.

The solution is simple. Found out that you could download and use apps like Nova Launcher to get it started.

How it works:

1. Once you've launched the Nova Launcher, long-press on the home screen to select a widget.

2. Once you're done, click on the 'Activities' block on top. (Widgets > Activities)

3. Once you've got to 'Activities', look for 'Storage booster' and then tap once to view the list of items under it. When you see the 'Move to SD card', make sure you long-press it to launch it because if you just tap on it, nothing will happen. 

4. Once you've done that, you could easily move all your WhatsApp media and even Messenger media to your SD card in one single step. 

As the description explains, you can "save social network content to the SD card to free up device storage".

Once you've done that, you'll find that all your media files - photos, videos and such - are stored in your SD card now. However, if you're used to searching for media between a person or group by accessing the 'Media' tab on your WhatsApp chat, if won't be there anymore.

Your WhatsApp media is no longer stored in your phone's internal storage and instead have been transferred to another folder on your SD card and WhatsApp does not recognise this. But don't worry, everything's still there on your phone - but just they are just in another folder, in another space that doesn't affect your internal storage space. 

It's Surreal. Surprise Results, Shocking Ends, And Saving Grace

The last post on this blog was about my excitement for GE14. I finally have the time to jot down and process my feelings and thoughts for GE14.

Alright, I’ll admit I was procrastinating a little but since this is an extremely significant milestone… it warrants a post. Over the last one week or so, I've some stray thoughts I have here and there as I finally sit down and reflect, in the midst of all the ongoing political drama...


During GE13, results were announced at the wee hours of the morning at about 2am. Millions probably went to sleep feeling disappointed. It was deemed as a close fight and one that the opposition coalition then claimed to have won if not for alleged electoral frauds. However, despite BN losing its two-thirds majority once again and even the popular votes, they secured a fairly good, comfortable margin over the opposition.

I personally thought the shouts of #IniKaliLah made it felt like it was now or never, and that it was the "last chance" if the people wanted a change. And that time has passed and it was over. The realist, or rather the pessimist in me said, 'No'. Nothing will change this time. Maybe yet another "close fight" but with all the things that have been going on, not a chance.

There had been massive corruption scandals and draconian policies introduced. I’ve been following local developments closely than ever due to the nature of my job. And then so as I’ve been keeping up, I read about that over the last year or so, election talks had been ongoing but there was a sense of fatigue, as some studies pointed out. Some of my closest friends were not bothered with what's going on politically. I for one, honestly, was getting tired of the politicking and endless bickering from one side to the other.

There were also whispers of lack of confidence in an opposition coalition that was led by the very person who architected of many of the country’s authoritarian institutions. The big BUT here is that the rakyat, at the very last minute, got fired up.

Arrogance VS. Anger

One of the leaders from the former government had openly declared that victory was at their fingertips except no one saw it coming that PH was going to win the election in what has been described as a surprise electoral upset. I bet even some officials from the current government didn't expect this.

The people have spoken. I don't know what are people's motivations when casting their ballots in GE14. Whether it is out of hope or desperation. Perhaps most that were affected by the day-to-day issues were fuelled by their discontent and strong desires to say, enough is enough.

It’s a fuzzy feeling 

I have to be honest, by the time I heard the last announcement by the EC on the final tally I was confused. So, did PH win or not? You have to forgive me as my mind was already going off that time without me even realising. Polling day was hectic. I woke up feeling extremely nervous. Got ready and went to my primary school to cast my ballot for the first time. My palms were sweaty all the time. Done, I made sure my vote counts. Also met some familiar faces while I was there queuing for an hour.

Came back, started working from home with my gung-ho colleagues. We remotely chased to deliver stories to our readers (thank you, on-ground reporters who've worked tirelessly). I signed off hours later, leaving for Bruno Mars’ concert. While I was there, I was judging everyone without an ink mark on their index finger. Sorry. It took all I have to ignore messages, I turned off my data at one point of the concert just so I can enjoy the guy’s amazing performance. I love Bruno Mars.

I came back hours later, a little tensed and frustrated. Resumed work with my amazing team who stayed up the whole day/night. When are the results out? Faster, please. One hour, two hours, three hours… then several hours later. The results were finally out at an ungodly hour after much delay. As I finished my last story for the day, I looked at the clock - almost 7am - and went to look out the window at my bedroom. Wait, is the sun out yet? It would be amazing if I can catch the sunrise. Of course, the view was obstructed (what was I thinking?). I just breathed a sigh of relief, gulped down a bottle of water, and closed my eyes, drifting to sleep almost immediately.

I woke up hours later at about 1pm. What did I miss? My phones were buzzing with post-GE14 messages. I was told no one’s conceding defeat yet. Fear crept in. What are they up to now? But as time passed by, it became clear and people knew that victory for PH was imminent.

Finally, Malaysia gets on international news for the right reasons 

Whether you're a supporter of the new government or not, I think we all should be proud that it's an astonishing victory for Malaysia. We are all part of this historic moment in Malaysian history because the extraordinary win means it's a win for democracy - and it speaks volumes especially since Malaysia has been viewed as a country with flawed democracy.

The fact is, the world has now turned their eyes to our nation, looking up to us for going against all odds to unseat a government that held on to power for more than 60 years. Prior to this, most international pollsters predicted another victory for the BN government. But the PH coalition defied each of these predictions, against all odds.

Some laws, which were bulldozed at the last minute, were said to be flawed and tilted the playing field. Allegations of electoral fraud have been rampant even down to affecting voters - us - but we've heard so many real life, inspiring stories about how Malaysians (all over the world) have rallied together to ensure that every single vote counts whether it is through the #pulangmengundi initiative or strangers passing on their ballot papers to their fellow countrymen that formed relay teams so that their ballots could be sent back on time for polling day. Such camaraderie that we’ve seen far lesser in recent times.

How many times we've heard in the past that made us fear there could be riots in the event there is a transition of power needed. That the country would go up in flames? We've proved that despite all these attempts of fear-mongering, we can remain civil.

We can hold those we put on top accountable 

As Malaysians overturned a government that ruled for over six decades, it's high time we make sure the new one is grounded that they'll keep the people's best interest at heart. They are the ones who made the promises. The changing of government since independence is the first step forward. We’ve learned that we have that power, we are the bosses. Now let’s use that power for checks and balances. Never forget.

Don't judge too quickly 

Guilty. I already raised my eyebrows over some stupid statements and decisions the current government has made, but it's always good to listen and view things from another perspective. I'm learning. I'm a firm believer that it's good to be critical and every voice should always be heard no matter how unpopular it is, that there is a place for dissent. While it's easy to criticise, it's better to put action to our words as the hard task ahead is to make sure reforms take place for the betterment of Malaysia. That is the real change. And we're on the right track.

I'll always remember 9 May 2018 as this: Even in all of my disbelief and supposed diminishing hope for change, I - you, we - all have the power to alter the course of our nation, our country. This realisation gives me some courage.

I don’t know about you, but I feel liberated.

Our prayers have been answered.

A Quarter

The end of Q1 is here. It's that time of the year I have some spare time to come here and jot down some thoughts since I get to clear my AL while I run errands that I've probably put off for at least months or even a year. Oops.

Since the start of the year, it has been a new challenge to take on a new role. More expectations on myself, and it's another learning curve. The last few weeks have been hectic, challenging to say the least.

Embarking on new challenges as old projects come to an end.

So many uncertainties and the outlook doesn't seem "promising" for a lot of things but... we'll see.

I know I don't really talk about politics (here) anymore as often as I used to when I was a teen lol, but I'm looking forward to the next one month or so since we all know GE is around the corner.

Anyway, just putting here a song that I've been listening to in the past few weeks. It's not a new song but as I've been listening to it again, I find new meaning... in appreciating the lyrics and understanding God's love in a different view. Like a new revelation kinda thing.

How I Wrote Ten Books By Lydia Teh

Since we're still in the new year mood, I figured that it might be good that I start the first post of the year with this entry. If it is one of your resolutions this year to read more books, or even write more, then perhaps this is quite fitting.

Lydia Teh's 'How I Wrote Ten Books' (HIWTB) is a lot about her own journey as an author. I think in many aspects, the books is a memoir on its own as Teh breaks down systematically the processes involved. From identifying her readers to marketing campaigns, she goes step-by-step into her concerns and her triumphs; all in relation to her writing and getting her books published.

It's very easy to read - I finished in just a couple of hours. To a certain extent, the book can be a little disjointed but I like that it's organised this way because that means I could read it in parts.

As always, Teh is true to herself and I've liked her books because they're always very witty and honest. Teh's not afraid to disclose her past mistakes and she'd even go into details on things like why some books work and some don't - things perhaps most of us would find embarrassing to admit.

Some may pick up such a book expecting to finish it knowing what to do and how to do it - there are plenty of examples from Teh here. Teh has a lot of insights on her journey, like what worked for her and what didn't, so pick up those that might be relevant to you. One of the things that stood out for me is that Teh's story reminded me a lot about the power of networking.

I personally don't find HIWTB as a cheerleader-style kind of writing to inspire you to write and get published. It's a lot more than Teh sharing what is the art of good writing, or the craft. Rather, there are little nuggets waiting to be found within the book, like what was going on behind the scenes in the industry and the various aspects of book promotion, especially in local context. I think these are extremely valuable advice, given that Teh is of one of the most famous Malaysian authors in the 21st century.

My favourite line from the book: "Here's another universal truth: writing is recycling." As someone who writes almost everyday, I can resonate. Of course, there's a full context to this, go grab the book and read it. ;)

You can purchase How I Wrote Ten Books online here from MPH.

PS: Huge thanks to Lydia Teh for sending a copy for the review. I enjoyed it thoroughly!