iMoney or the bank will contact you directly to update the result.

How can I know if my petrol credit card application is approved?

What are the benefits of topping up my Setel Wallet with ShopeePay?
If you love the Shopee experience and use ShopeePay for your purchases, this is another top-up method to make it more convenient for you to top up your Setel Wallet 😊 
<hr>
How do I top up my Setel Wallet with ShopeePay?
Check out our guide on <a class="external-link" href="https://help.setel.com/article/360061114772/how-do-i-top-up-my-setel-wallet" rel="nofollow">how to top up your Setel Wallet</a>.
<hr>
Can I earn Mesra points if I use ShopeePay to top up my Setel Wallet?
No. You can only earn Mesra points when you use your Setel Wallet to refuel or to purchase items, not when topping up your Setel Wallet with ShopeePay.
<hr>
Do I earn Shopee Coins when topping up my Setel Wallet with ShopeePay?
No. 
<hr>
Can I still pay with my Setel Wallet if my ShopeePay balance is low?
Yes, as long as you have enough credit in your Setel Wallet to make your payment.
Setel Wallet and ShopeePay are not automatically linked together. When using ShopeePay to top up your Setel Wallet, please ensure that there is sufficient balance in your ShopeePay wallet.
<hr>
What is the minimum top-up amount?
The minimum top-up amount per transaction for your Setel Wallet with ShopeePay is RM10.
<hr>
Why don't I see ShopeePay as a top-up method in the Setel app?
Update your Setel app to the latest version to get the ShopeePay experience. ShopeePay top-up is only supported on versions 1.104 and above on the Setel app.
<hr>
Do I need the Shopee app to be installed on my device to top up my Setel Wallet with ShopeePay?
Yes. If you attempt to use ShopeePay as a top-up method in the Setel app without having the Shopee app installed on your device, you will be redirected to either the Apple App Store or Google Play Store.

Top up Setel Wallet with ShopeePay FAQ

If the transaction was not done via a credit/debit card, please contact our customer service team via live chat or email us at <a href="mailto:hello@setel.com">hello@setel.com</a>.
If the transaction was done via a credit/debit card, check out our articles below.
<ol>
<li><a href="#h_01HZKRN877KZN96YYN1XP8Z13N">Why was I charged more than what I refuel/recharged on my electric vehicle?</a></li>
<li><a href="#h_01HZKRN8775MGY303HVVE4EE24">What is a pre-authorisation hold?</a></li>
<li><a href="#h_01HZKRP9S31ADF7BD6MRN9MX8H">How do I change my full tank limit?</a></li>
<li><a href="#h_01HZKRHH6N2HFKZ2Q8WQ4R1H9D">What should I do if my remaining pre-authorisation amount is not returned after 5 business days?</a></li>
</ol>
<h2 id="h_01HZKRN877KZN96YYN1XP8Z13N">Why was I charged more than what I refuel/recharged on my electric vehicle?</h2>
If you used a credit/debit card for the transaction, the amount initially shown when you refuelled/charged your vehicle is not the actual amount you are billed. It is a pre-authorisation hold for the transaction. After some time (depending on your bank), the difference in the amount will be returned to your bank account.
 
<h2 id="h_01HZKRN8775MGY303HVVE4EE24">What is a pre-authorisation hold?</h2>
Pre-authorisation is not a charge to your credit/debit card.
It is a temporary hold of a specific amount of the available balance on a credit or debit card until the actual amount is posted to your account. Any difference between this initial hold and what you actually spent will be returned. This hold usually lasts 5 business days but the exact time can vary depending on the bank.
We have 3 kinds of pre-authorisation.
 
<h3 id="h_01HZ6S08KXP012K7HX6Q9YZNH4">Full Tank</h3>
A pre-authorisation amount for up to 238 litres (L) will be temporarily held, and any unused balance will be returned to your account within 3-5 business days.
**NOTE
By default, the pre-authorisation amount is set at RM180. However, if your full tank limit is normally around RM100, you can change your full tank limit by checking out our article on <a href="#h_01HZKRP9S31ADF7BD6MRN9MX8H">how to change your full tank limit</a>.
<h3 id="h_01HZ6S0E6MA1VAMHQECWGTWE7Z">
 Partially Used Purchase Amount</h3>
If you set your purchase amount/full tank limit to RM100 but only spend RM80, your pre-authorisation amount will be RM100. The remaining balance from the pre-authorised amount (RM20 in this case) will be released back to your account within 3-5 working days.
<h3 id="h_01HZ6S0Q4CZWVDEVKP8RJ0ZNF3">
 Fully Used Purchase Amount</h3>
If you set your purchase amount/full tank limit to RM100 and spend the full RM100 on fuel, no remainder will be released back.
 
<h2 id="h_01HZKRP9S31ADF7BD6MRN9MX8H">How do I change my full tank limit?</h2>
<ol>
<li>Tap Profile.</li>
<li>Select Preferences under Settings.</li>
<li>Tap Full tank limit.</li>
<li>Adjust the limit to your preferred amount.</li>
<li>Tap Save limit.</li>
</ol>
 
<h2 id="h_01HZKRHH6N2HFKZ2Q8WQ4R1H9D">What should I do if my remaining pre-authorisation amount is not returned after 5 business days?</h2>
If the held/remaining amount has not been credited to your account within 5 business days, please contact your bank to check the status of the pre-authorisation charge or our customer service by providing the bank statement from the purchase date to the next 5 business days.
You can contact our customer service team via live chat or email us at <a href="mailto:hello@setel.com">hello@setel.com</a>.

What should I do if I was double charged when refuelling/recharging my electric vehicle?

If you would like to enable auto top-up, check out this <a href="https://help.setel.com/article/19239397194893/how-do-i-enable-auto-top-up">article</a>.
Tap on the Setel top-up button on the top left.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/29494772720269" alt="step_1_-_iphone.png" width="375" height="764">
<hr>
You will be given a choice of top-up amounts. Tap on your preferred amount.
Your preset amounts may vary from the example image due to Setel intelligently customizing them based on your preferences.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/31710592723213" alt="top-up 2.0-20241108-031040.png" width="375" height="748">
<hr>
The available top-up methods will be displayed. If you have previously added a credit or debit card, they will also be displayed here. Do note that there is a 1% convenience fee if you use credit cards. For more info, check out our article about the convenience fee.
Choose your preferred method, then tap Top-Up Now.
<img style="text-align: center;" src="https://setelappsupport.zendesk.com/hc/article_attachments/29494825028493" alt="step_4_-_iphone-sp.png" width="375" height="765">

How do I top up my Setel Wallet?

**NOTE You can purchase Setel top-up vouchers online from <a href="https://www.setel.com/PETRONAS-Shop/product/setel-voucher">PETRONAS Shop</a> or physically with cash at any PETRONAS station.
Launch the Setel app and tap Profile.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/31314533102861" alt="1.png" width="375" height="765">
<hr>
Tap Payment methods.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/31842706213773" alt="Payment methods.png" width="375" height="736">
<hr>
Tap Voucher top up under your wallet balance.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/18608959361549" alt="Voucher top up (1).png">
<hr>
Enter the voucher code and tap Redeem.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/18608959362189" alt="Redeem (1).png">
Congratulations! Your voucher is redeemed.
Do note that you are limited to 4 top-up redemptions per day.

How do I top up using vouchers?

This service provided by Setel is free of charge. You do not have to pay for anything.

Do I need to pay any fees to apply for the credit card via Setel?

Please ensure the following before redeeming your voucher.
<ol>
<li>
The voucher code is entered correctly. Our vouchers are case-sensitive so a zero "0", lowercase "o" or uppercase "O" will all register differently.</li>
<li>
The voucher has not been redeemed before. If your vouchers are not bought from official sources, they may have been redeemed before being sold.</li>
<li>
The voucher is a Setel-approved voucher. Remember to make sure the voucher is applicable for Setel before purchasing. You can usually find this information in the terms and conditions of the voucher.</li>
</ol>
We recommend buying Setel vouchers from the <a href="https://www.setel.com/PETRONAS-Shop/product/setel-voucher">PETRONAS Shop</a> for a higher value per voucher (up to RM 300 per voucher) or for commercial drivers, you can consider <a href="https://help.setel.com/article/17534133689741/what-documents-do-i-need-to-register-for-a-cardless-petronas-smartpay-account">applying for Cardless SmartPay</a>.
If you still cannot redeem your top-up voucher, you might have exceeded your daily top-up redemption limit.
You can only redeem up to 4 top-up vouchers a day. The limit will reset every day at 8.00 AM (GMT+8). This limit is only applicable to vouchers that add to your wallet balance.
If you have not reached your limit or can't redeem other kinds of vouchers, contact our live chat on the Setel app/<a href="https://www.setel.com/">website</a> or email <a href="mailto:hello@setel.com">hello@setel.com</a> for further assistance.

Why can't I redeem my top-up voucher?

CardTerus (debit/credit card) is temporarily unavailable for enhancement.

Why can't I use my debit/credit card?

Outstanding payments can happen when
<ol id="docs-internal-guid-07258933-7fff-7c6f-33b8-b5b8153c421c">
<li>There are insufficient funds in the payment method you selected.</li>
<li>The bank failed to connect with Setel to process the payment.</li>
<li>A system error (station machine or internet connection is unstable, etc.) which completed the transaction without deducting payment.</li>
</ol>
Check out our article on <a href="https://help.setel.com/article/20352378155149/what-should-i-do-if-i-have-outstanding-payments">what you should do if you have outstanding payments</a> or <a href="https://help.setel.com/article/20352019896333/how-to-prevent-outstanding-payments">how to prevent outstanding payments</a>.

Why do I have outstanding payments?

The documents required will depend on the card you apply for. However, banks will usually ask for:
<ol>
<li>A copy of both sides of your identity card (IC/MyKad).</li>
<li>A financial document like
<ul>
<li>your payslips from the last three months.</li>
<li>your latest bank statements from the last three months.</li>
<li>your EPF statements from the last three months.</li>
<li>your latest Borang B/BE with LHDN acknowledgement if you are self-employed.</li>
</ul>
</li>
</ol>

What are the documents required to apply for a petrol credit card?

Outstanding payment refers to the unpaid balance of a transaction. Due to certain reasons, the transaction was completed without deducting payment. If the outstanding payments are not cleared, your account might be suspended.
If you have outstanding payments, alerts will appear in the Setel app.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/20664542312333" alt="Dunning btm sheet_NEW Home.png" width="348" height="692"><img src="https://setelappsupport.zendesk.com/hc/article_attachments/20664542313741" alt="Dunning card_NEW Home.png" width="348" height="692"><img src="https://setelappsupport.zendesk.com/hc/article_attachments/20664542314509" alt="Dunning card_Pay tab.png">
Check out our article on <a href="https://help.setel.com/article/20351996877965/why-do-i-have-outstanding-payments">what causes outstanding payments</a>, <a href="https://help.setel.com/article/20352378155149/what-should-i-do-if-i-have-outstanding-payments">what should you do if you have outstanding payments</a>, and <a href="https://help.setel.com/article/20352019896333/how-to-prevent-outstanding-payments">how to prevent outstanding payments</a>.

What are outstanding payments?

After successfully submitting your application through the Setel app, iMoney will contact you within 1-3 business days to verify the details you submitted, before handing it over to the respective bank for approval.
The review and approval timeline for each application will vary from bank to bank. iMoney or the bank will notify you of the result of your application.

How long is the petrol credit card application process?

A credit card is a card with a set limit of funds (credit) for purchasing goods and services. At the specified date according to the repayment schedule, you will pay back the funds used, with or without interest charges.
Some credit cards have discounts or cashback when purchasing a specific good or when spending up to a certain amount.

What is a credit card?

The purchase limit of CardTerus (linked credit/debit card) can be set to either RM500 or 160L. These options are separate.
Customers can set either option but not both at the same time. The selected options will be used as the full tank limit.
 
Scenarios:
If the full tank option is selected 
Pre-authorization of RM180 (maximum limit per refuel) will be deducted and the remainder will be returned within 3-5 business days.
 
If the purchase limit was fully used 
If the customer chooses RM60 and fueled for RM60, there will be a RM60 pre-authorization.
 
If the purchase limit was partially used
If the amount of RM80/30L is chosen but only RM60/25L is used, there will be a pre-authorization amount of the fueled amount. The remainder will be returned within 3-5 business days.
 
*NOTE
To avoid the pre-authorization amount of RM180 being held, customers can change their full tank limit as shown below.
Only the chosen amount will be held and will be returned within 3-5 business days. 
Customers can choose to opt for a lesser limit such as RM50 or 30 litres instead of choosing the full tank as the option. This avoids pre-authorization of the full tank amount.
Examples are provided below.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/23477073913229" alt="full_tank_limit_rm.png"><img src="https://setelappsupport.zendesk.com/hc/article_attachments/23477057259917" alt="edit_tank_limit_l.png" width="350" height="713"><img src="https://setelappsupport.zendesk.com/hc/article_attachments/23477073925773" alt="full_tank_limit_rm-1.png" width="350" height="713">

What are the purchase limits of my linked credit/debit card when refuelling?

Of course! However, do note that the benefits of the credit cards might overlap.

Can I apply for more than 1 petrol credit card at a time?

You can apply for it by clicking on the Petrol credit card tile in the Setel app. You can browse the available cards and tap the card to view the card details.

How can I apply for a petrol credit card through Setel?

**NOTE
App version 1.146.0 and above required. You need to fulfil the following safety prerequisites before you can activate auto top-up.
<ol>
<li>
<a class="cc-1rn59kg" title="https://help.setel.com/article/13842581073165/how-do-i-upgrade-my-account-perform-e-kyc" href="https://help.setel.com/article/13842581073165/how-do-i-upgrade-my-account-perform-e-kyc" data-testid="link-with-safety" data-renderer-mark="true">Verify your identity by performing e-KYC</a>.</li>
<li>Set your current device as a <a class="cc-1rn59kg" title="https://help.setel.com/article/25201111557517/how-do-i-set-my-phone-as-a-trusted-device" href="https://help.setel.com/article/25201111557517/how-do-i-set-my-phone-as-a-trusted-device" data-testid="link-with-safety" data-renderer-mark="true">trusted device</a>.</li>
<li>Verify your registered <a class="cc-1rn59kg" title="https://help.setel.com/article/15235367721101/how-do-i-verify-my-email-address" href="https://help.setel.com/article/15235367721101/how-do-i-verify-my-email-address" data-testid="link-with-safety" data-renderer-mark="true">email address</a>.</li>
<li>Make sure your account is not <a class="cc-1rn59kg" title="https://help.setel.com/article/18183996520973/what-happens-when-im-suspended" href="https://help.setel.com/article/18183996520973/what-happens-when-im-suspended" data-testid="link-with-safety" data-renderer-mark="true">suspended</a>.</li>
<li>Pass our safety assessment by being an active Setel user. The more you use Setel, the higher the chance of passing the assessment.</li>
</ol>
Tap Pay.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/23889695900429" alt="auto_topup_ pay.png">
<hr>
Tap Auto top-up.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/19276496164109" alt="Auto 2.png">
<hr>
Set your preference and tap Save.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/19276480257677" alt="Auto 3.png">
<hr>
A summary of your saved preferences will appear.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/19276496167693" alt="Auto 4.png">

How do I enable auto top-up?

What are the benefits of topping up with GrabPay on Setel?
You can enjoy double the reward from both Setel and Grab!
Earn GrabRewards when you top up your Setel Wallet with GrabPay, and then once again when you pay with Setel Wallet to earn Mesra points.
<hr>
How do I top up my Setel Wallet with GrabPay?
Check out our guide on <a href="https://help.setel.com/article/360061114772/how-do-i-top-up-my-setel-wallet" target="_self">how to top up your Setel Wallet</a>.
<hr>
What is the minimum top-up amount?
The minimum amount per transaction to top up is RM10.
<hr>
Can I earn Mesra points if I use GrabPay to top up on Setel?
Mesra points will only be earned when you spend with Setel.
You will earn GrabRewards instead if you top up with GrabPay.
<hr>
I have a low balance in my GrabPay e-wallet, can I still pay with Setel?
Yes. All you need to do is top up your GrabPay wallet before you top up in the Setel App to earn the GrabRewards.
<hr>
Can I still pay with my Setel Wallet if my GrabPay balance is low?
Yes, as long as you have enough credit in your Setel Wallet to make your payment.
Setel Wallet and GrabPay are not mutually tied together. You only need to make sure you have enough balance in your GrabPay when using it to top up your Setel Wallet.

Top up Setel Wallet with GrabPay FAQ

The convenience fee is a charge applied when you top up your Setel Wallet using credit cards. This fee covers the costs related to processing credit card transactions. Currently, the fee is 1% of the top-up transaction.
 
<div class="toc" style="border: 1px solid #EAEEF4; border-radius: 12px; padding: 20px; margin-bottom: 20px; background-color: #ffffff;">
<h2 id="h_01J8H3E7EEC6GQCWGE785C4WTN" style="margin-top: 0;">Table of Contents</h2>
<hr style="border: none; border-top: 1px solid #EAEEF4; margin: 10px 0;">
<h4 id="h_01J8M660ZK3V0FWAHNTFGWVR2Q"><a href="#h_01JC07WQYV76N2ABZKY2D5C36H">When will the convenience fee take effect?</a></h4>
<h4 id="01JC07Z6R6CREJKE49VF4SG6Y2"><a href="#h_01JBXV3P0FMRDWYHNZ0NRV2TPF">What payment method will have this convenience fee?</a></h4>
<h4 id="h_01J8M6650EG3PDTE3X72G9N5ZC"><a href="#h_01JBXV3RFFZ44CQ0NPJCZ60ESS">What is the difference between manual credit card top-up, auto top-up and linking my credit card?</a></h4>
<h4 id="h_01J8M66KX43304KFPQDP536WTR"><a href="#h_01JBXV4T2KJNNQCW5M2VSNKGGB">How is the convenience fee calculated?</a></h4>
<h4 id="h_01J8M66QB2DJG8NM6Z4JQD0WDY"><a href="#h_01JBXVBQ27AHG2856CBCJAFYKB">How will I know if the convenience fee has been applied to my top-up?</a></h4>
<h4 id="h_01JBXWF50YEY6GBMX8PV21YQGX"><a href="#h_01JBXVKNZA2ZC1AAZM4EPDTYC4">I’m experiencing issues with my top-up. Will I still be charged the convenience fee?</a></h4>
<h4 id="h_01JBXWF50YTHJ4101S2ZG0MVAD"><a href="#h_01JBXV99F9TDA8T6JK6Z1KG2TA">Is the convenience fee refundable?</a></h4>
</div>
<h2 id="h_01JC07WQYV76N2ABZKY2D5C36H">When will the convenience fee take effect?</h2>
The 1% convenience fee will take effect on 5th December 2024 at 4.30 PM. All manual credit card top-ups made on or after this date will incur the cost.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/32217508942221" alt="Convenience fee.PNG">
 
<h2 id="h_01JBXV3P0FMRDWYHNZ0NRV2TPF">What payment method will have this convenience fee?</h2>
The 1% convenience fee is only applied to manual credit card top-ups. The fee is NOT applied for auto top-up and <a href="https://help.setel.com/article/360049193951/what-is-cardterus">linked credit cards</a>.
 
<h2 id="h_01JBXV3RFFZ44CQ0NPJCZ60ESS">What is the difference between manual credit card top-up, auto top-up and linking my credit card?</h2>
<ul class="ak-ul" data-prosemirror-content-type="node" data-prosemirror-node-name="bulletList" data-prosemirror-node-block="true" data-pm-slice='3 3 ["table",{"displayMode":null,"isNumberColumnEnabled":true,"layout":"default","localId":"862f8cda-7efa-4be5-8d22-25a9e4f2f641","width":760,"__autoSize":false},"tableRow",{},"tableCell",{"colspan":1,"rowspan":1,"colwidth":null,"background":"#ffffff"}]'>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Manual Credit Card Top-Up This is when you manually top up a specific amount and choose credit card as the top-up method.</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Auto Top-Up This is when you set a threshold for your Setel Wallet balance. When your balance falls below the threshold, you will automatically top up to above the threshold from your credit card.</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Linking my credit card This feature allows you to pay for fuel directly using your credit card without having to top up to your Setel Wallet first. The payment is processed from your card right after refuelling.</li>
</ul>
 
<h2 id="h_01JBXV4T2KJNNQCW5M2VSNKGGB">How is the convenience fee calculated?</h2>
The convenience fee is calculated at 1% of the top-up amount.
For example, if you top up RM100, an additional RM1 fee will be added, making the total amount charged to your credit card RM101.
Do note that calculated amounts with more than 2 decimals will follow these basic rounding.
<ul>
<li>If the decimal is RM 0.5 or higher, it will round up to RM 1.0</li>
<li>If it is less than RM 0.5, it will round down to RM 0.</li>
</ul>
 
<h2 id="h_01JBXVBQ27AHG2856CBCJAFYKB">How will I know if the convenience fee has been applied to my top-up?</h2>
Before we process the top-up you will see the convenience fee listed in the transaction summary.
You can also <a href="https://help.setel.com/article/360013006051/how-can-i-view-the-transaction-history">view your top-up receipt via the transaction history</a>, which will indicate the top-up amount and fee incurred.
 
<h2 id="h_01JBXVKNZA2ZC1AAZM4EPDTYC4">I’m experiencing issues with my top-up. Will I still be charged the convenience fee?</h2>
If your credit card top-up fails (not processed) or is cancelled before being processed, you will not be charged the 1% convenience fee. The fee is only applied once the top-up is successfully processed. However, if the top-up goes through and is later refunded, the convenience fee will not be refunded.
 
<h2 id="h_01JBXV99F9TDA8T6JK6Z1KG2TA">Is the convenience fee refundable?</h2>
Unfortunately, the 1% convenience fee is non-refundable even if the top-up is reversed or refunded. This is because the fee covers the transaction cost incurred when processing the credit card payment.

What is convenience fee?

A petrol credit card is a credit card that has petrol-related benefits, such as cash rebates or extra reward points when purchasing petrol. This type of credit card can help you save money on your monthly petrol expenditure. To maximise your benefits, we recommend <a href="https://help.setel.com/article/14074916907149/how-do-i-activate-family-wallet">using our Family Wallet feature</a>.

What is a petrol credit card?

If no credit was deducted, please contact our customer support with the information below so that we can make a manual deduction and grant Mesra Rewards points accordingly.
You can contact us via live chat on the Setel app/<a href="https://www.setel.com/">website</a> or e-mail us at <a href="mailto:hello@setel.my">hello@setel.com</a>.
<ol>
<li>Name</li>
<li>Mobile number</li>
<li>Email address</li>
<li>Date and time the purchase was made</li>
<li>Purchase amount</li>
<li>Fuel product (RON95/ RON97/ Diesel/ EURO5 DIESEL)</li>
<li>Mesra Rewards card number (If any)</li>
</ol>

Why was credit not deducted from my Setel Wallet after refuelling?

If you have any questions, please contact iMoney at <a href="mailto:campaign@imoney.my">campaign@imoney.my</a> or at +6018 972 0196.

Who can I contact if I have questions about my application or about the credit card?

Of course!
Check out our guide on <a href="https://help.setel.com/article/360004606911/how-do-i-add-a-credit-or-debit-card-in-setel" target="_self">how to link a credit/debit card</a>.

I don't have a credit card, can I connect Setel with my debit card?

Generally, top-up refunds are processed within 14 business days but different banks have different procedures.
If you have any questions regarding the status of your top-up, you can contact us via the live chat on the Setel app/<a href="https://www.setel.com/">Setel website</a> or email us at <a href="mailto:hello@setel.com">hello@setel.com</a>.

Why is my top-up refund not showing up?

A transaction (top-up or transfer) may be stuck in pending/processing because of a delayed response from the bank. The general flow of events is as follows. You can click on each part for more info.
<ol>
<li>
<a href="https://help.setel.com/article/19017665822733/how-do-i-know-if-my-transaction-is-processed">Check to see if the transaction is being processed</a>.</li>
<li>
<a href="https://help.setel.com/article/360041801392/why-is-my-top-up-not-reflected-in-my-wallet-balance">Wait for a response from the bank</a>.</li>
<li>
<a href="https://help.setel.com/article/19235674895117/why-was-the-top-up-processed-when-it-failed-just-now">If the transaction timed out, check again with the bank later</a>.</li>
</ol>

Why does it say pending/processing transaction?

The top-up was considered a failed transaction because it timed out from waiting for a response from the bank (the response might be delayed up to 30 minutes or more).
However, we will still wait for a response to see if the transaction was successful. If the transaction is successful, the top-up transaction will be reflected in your Setel Wallet and a push notification will be sent.
You can verify if a top-up transaction was successful by checking in with your bank. If a deduction has been made, your top-up will reflect on your Setel Wallet later.
If the top-up does not appear in your Setel Wallet within 24 hours, please contact our customer service via live chat or e-mail to <a href="mailto:hello@setel.my">hello@setel.com</a> for further assistance.

Why was the top-up processed when it failed just now?

You can use the Setel Wallet to purchase fuel or items at Kedai Mesra. Purchasing top-ups, Touch 'n Go reload vouchers, or paying utility bills are not supported.

What can I buy/purchase using the Setel app?

Yes, the limitations and requirements vary from bank to bank.
For example, you may be required to spend up to a certain amount on petrol to obtain the cashback, can only receive cashback for spending on petrol on certain days, or have a maximum cashback cap per month.
For more details, please refer to the respective bank’s website for the respective credit cards.

Are there any limitations or requirements to enjoy the petrol credit card's benefits?

You will not be able to top up if your wallet limit has been reached. The standard wallet limit is RM 500 while the maximum wallet limit is RM 5000.
To increase your wallet limit, you will need to <a href="https://help.setel.com/article/13842581073165/how-do-i-verify-my-account-perform-e-kyc">verify your account/perform e-KYC</a>.

Why can't I top up/reload my wallet balance?

Please report it directly to the bank for assistance.

What should I do if my card is misplaced, lost or stolen?

eBeliaRahmah FAQ

eBeliaRahmah FAQ (English)

https://help.setel.com/topics/24447227733517/automated_parking

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