Last updated 15 July 2026
These terms apply to any top-up ("deposit") made through the customer PayNow top-up flow, whether points are released instantly or on a timed schedule, and to any request to withdraw a deposit and receive a refund.
All deposits are refundable starting from the 30th calendar day after the deposit is approved. A withdrawal request submitted before this 30-day period has elapsed will not be accepted.
Once eligible, a customer may submit a withdrawal request for a deposit, confirming the PayNow number the refund should be sent to. HQ will review and acknowledge the request. From the date HQ acknowledges the request, HQ has a 7-calendar-day refund period to complete the PayNow transfer back to the customer.
Once a deposit's withdrawal has been acknowledged and refunded by HQ, the points associated with that deposit are removed from the customer's points balance. Points already redeemed for products or services prior to the refund are not affected.
Questions about a specific deposit or withdrawal request should be directed to HQ through the usual support channel.