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This Spotlight is sponsored by ShopeePay.
From paying bills and topping up our phones to shopping for everyday essentials, spending is already part of our daily routine
But what if you could get more out of those payments? With ShopeePay, users can unlock rewards, earn Coins Cashback, enjoy discounts, and access other perks while going about their everyday spending.
Here's a look at some of ShopeePay's latest perks:
1. New users can start with RM15 in rewards and a Welcome Bonus worth RM100

If you're new to ShopeePay, here's how you can get RM15 in rewards to kick-start your experience.
Here's how to claim your RM15 in ShopeePay Credits:
STEP 1: Download the ShopeePay app
STEP 2: Enter the referral code SPPEW15
STEP 3: Receive RM15 directly in your ShopeePay wallet
This offer is for new users only. Terms and conditions apply.
On top of that, new users can enjoy a Welcome Bonus worth RM100, which includes:
- Two RM15 cashback vouchers
- RM20 Coins Cashback when paying bills via JomPAY
- RM20 Coins Cashback when topping up prepaid mobile credit
- RM30 Coins Cashback when purchasing a data package
These rewards are subject to the applicable terms and conditions.
2. Pay with DuitNow QR and earn up to 20,000 Coins Cashback
The rewards don't stop once you've used your welcome perks. With Coins Bonanza 20k, you can earn up to 20,000 Coins Cashback when you make eligible payments by scanning DuitNow QR with ShopeePay.
And because the Coins can be redeemed towards your next payment, your everyday spending could give you something extra to use the next time you check out.
Terms and conditions apply. Find out more here.
3. There's also 50% off Storewide at MR D.I.Y.!

Got a few household items to pick up?
From 1 October to 30 November, ShopeePay users can enjoy 50% off storewide* at MR D.I.Y. when paying with the ShopeePay app. The offer is capped at RM10 for new ShopeePay app users and RM3 for existing ShopeePay users, with one quota per user per month.
Using the offer is pretty straightforward:
STEP 1: Open the ShopeePay app
STEP 2: Show your payment QR code and let the cashier scan it
STEP 3: The 50% off will be automatically applied to your payment
So, if you already have a few things on your MR D.I.Y. shopping list, this could be one offer worth checking out.
*Terms and conditions apply. New ShopeePay app users are capped at RM10, while existing users are capped at RM3. Limited to one quota per user per month.
4. Your balance can also earn daily returns with Money+

Beyond making payments, ShopeePay also gives you another way to put your balance to use with Money+. You can earn up to 5% p.a.* in daily returns on your first RM10,000, with a minimum top-up of RM200.
Money+ is backed by a Shariah-compliant fund, and you can use your balance directly for daily transactions anytime, anywhere*, including ShopeePay checkouts, DuitNow QR payments and transfers to friends.
5. Prefer to split your payments? SPayLater offers 0% for three months!

Sometimes, having the option to spread out a payment can make a purchase easier to manage. With SPayLater, you can enjoy 0% for three months via QR, allowing you to split eligible QR payments into three monthly instalments.
If you're scanning the merchant's QR, simply open the ShopeePay QR Scanner, scan the merchant's DuitNow QR, and enter the payment amount. Then, choose three months as your instalment plan and proceed with the payment.
If the merchant is scanning your QR instead, open the ShopeePay QR Scanner and show your QR code or barcode. Before the merchant scans it, tap Rewards, and apply the 0% Instalment Voucher, then choose three months as your instalment plan, and proceed with the payment.
It's another option for those who want a little more flexibility when paying via QR.
So, the next time you're reaching for your phone to make a QR payment, it may be worth checking what ShopeePay rewards you can get along the way
For more information and the latest offers, visit ShopeePay's official website.
*Disclaimer: Returns for illustration, not guaranteed and based on the historical returns which are not indicative of future performance. Investing involves risks. Before making any investment, users should carefully evaluate their financial goals, needs, personal circumstances, risk tolerance, and understanding of the investment product. Funds allocated for investment purposes are not classified as e-money, or protected by the Perbadanan Insurans Deposit Malaysia (PIDM). Subject to Annual Management Fees, Trustee Fees and Other expenses by Fund Manager. Please refer to FAQs, Terms & Conditions and Product Highlight Sheets for more details. This material has not been reviewed by the Securities Commission Malaysia ("SC") and should not be considered as a recommendation or endorsement by the SC to buy or sell investment products. SC should also not be considered to be associated with any of the investment products.
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