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CrediBill Welcome Offer — Earn up to RM200 Welcome Cashback
Transact by 31 Oct to qualify  ·  T&Cs apply  ·  Regulated by Securities Commission Malaysia  ·  Read FAQ
How It Works

Four steps to RM200 cashback.

Sign up with a referral code, get verified, transact on CrediBill, and earn cashback for each qualifying transaction.

1
Get a Referral Code
Ask your business contact (an existing CrediBill user) for their Referrer Code, Full Name, and work email.
2
Sign Up
Complete the Sign-Up Form before 31 August 2026. It takes about 2 minutes.
3
Get Verified
CrediBill verifies your business within 5 working days and confirms your eligibility.
4
Transact & Earn
Earn RM50 cashback per qualifying transaction (≥ RM500), up to RM200. Transact from 1 June to 31 October
Sign Up Now →
Who Can Claim This

Are you eligible for the cashback?

This Welcome Cashback offer is for new Buyer SMEs signing up to CrediBill for the first time, with a valid referral from an existing user.

Eligible Referred Client

New Buyer SMEs signing up via a referral code

✓ Legitimate Malaysian SME with valid SSM registration
✓ Signs up between 1 June and 31 August 2026 using a valid Referrer Code, Full Name, and work email
✓ Passes CrediBill’s assessment and onboarding within 5 working days
✓ Intends to use CrediBill as a Buyer (to make payments to suppliers)
✕ Not already an existing CrediBill Buyer or Supplier
✕ CapBay/CrediBill employees and their immediate family members are not eligible
Cashback Scenarios

What earns cashback, and what doesn’t.

Real scenarios to help you understand exactly when your transactions qualify for cashback — and which situations don’t.

✓ Full Cashback

You make 4 transactions of RM500+ each

After sign-up, you complete 4 qualifying transactions of RM800, RM1,200, RM650, and RM500 between June and October 2026. Each transaction is at least RM500.

→ You earn RM200 cashback (the max)
✓ Partial Cashback

You make 2 transactions of RM500+ each

After sign-up, you complete 2 qualifying transactions of RM900 and RM600 — but don’t transact again during the qualifying period.

→ You earn RM100 cashback (RM50 × 2)
✓ Partial Cashback

You make 1 large transaction

You complete 1 qualifying transaction of RM5,000 — well above the RM500 threshold, but only one transaction overall.

→ You earn RM50 cashback (capped at RM50 per transaction)
✕ Doesn’t Qualify

Transactions below RM500

You complete 5 transactions but each is below RM500 (e.g. RM300, RM450). You don’t meet the minimum qualifying transaction value of RM500.

→ No cashback earned
✕ Doesn’t Qualify

You signed up after the cashback pool maximum had been fully utilised

You sign up successfully but the campaign cashback pool has already been fully utilised. You can still use CrediBill, but you won’t be eligible for the RM200 Welcome Cashback offer.

→ Not eligible for cashback
✕ Doesn’t Qualify

Your sign-up wasn’t approved

You submit the Sign-Up Form but are not approved during CrediBill’s assessment, or don’t complete onboarding. Only approved Buyers can transact and earn cashback.

→ No cashback earned
Welcome Cashback Offer
RM200
Maximum cashback · Credited monthly · First-Come, First-Served Rewards
RM50 Per Txn ≥RM500
Up to 4 Transactions
Monthly Rebate Payout
✨ The Offer

Cash back, every month — not at year-end.

Earn cashback per qualifying transaction. Each RM50 is credited as a monthly rebate at the end of the following month, so you see the reward without waiting until the campaign ends.

Sign up and transact early to secure your rewards! total cashback pool is capped at a maximum allocation of RM20,000.00 on a strict first-come, first-served basis.

Why CrediBill

Beyond loans — B2B payments that just work.

CrediBill is a B2B Buy Now, Pay Later platform built for Malaysian SMEs. Pay your suppliers later, keep your cash flow healthy, no paperwork — and no credit score hit.

120 DAYS

Flexible Payment Terms

Buyers can pay suppliers in up to 120 days, choosing terms that match their cash flow cycle.

💸

Suppliers Paid Instantly

Suppliers receive immediate payment upon successful delivery — no waiting on the buyer’s credit cycle.

✅

No Loans, No Credit Hit

CrediBill is a B2B BNPL platform, not a loan. It does not affect company credit scores or CCRIS/CTOS records.

📊

Tailored Credit Limit

No fixed min or max. Limits are calibrated to business needs and transaction history — matching reality.

✨

Simple, Hassle-Free

Forget loans, factoring, and paperwork. Quick approval within 3–5 working days, all done online.

Trusted & Regulated

Powered by CapBay, licensed by Securities Commission Malaysia. Recognised as one of World’s Top Fintechs 2023–2025.

Upcoming Sessions

Get to know CrediBill.

Webinars and a networking event throughout the campaign — meet the team, ask questions, and learn how CrediBill fits your business.

02 Jul 2026
Webinar · Online

General Industry Webinar (Title TBC)

7:00 PM MYT (45 mins)
An upcoming session covering the latest business trends and operational frameworks to optimize your company’s growth and cash flow (Final topic to be confirmed).

Stay tuned!
23 Jul 2026
Webinar · Online

Healthcare Industry Webinar (Title TBC)

7:00 PM MYT (45 mins)
A healthcare industry webinar exploring the latest operational trends and productivity strategies to help optimize and grow your medical business.(Final topic to be confirmed).

Stay tuned!
20 Aug 2026
In-Person · KL

SME Networking Event

TBC
Exclusive Networking Session: Connect with fellow SME founders and the CrediBill team. Get in touch with your referrer and ask them to secure your invite for this exclusive evening of connection.

Stay tuned!
Frequently Asked Questions

Quick answers, no fluff.

Common questions about the RM200 Welcome Cashback offer and how CrediBill works.

Who can sign up for the RM200 cashback?+
Any legitimate Malaysian SME with valid SSM registration that intends to use CrediBill as a Buyer (making payments to suppliers). You must not already be an existing CrediBill Buyer or Supplier. You’ll also need a referral code from someone already on the platform.
Where do I get a referral code?+
Referral codes are issued to existing CrediBill Buyers and Suppliers. Ask your business contacts who already use CrediBill. You’ll need to enter the code provider’s Referrer Code, Full Name (as per IC), and work email on the Sign-Up Form. These details cannot be amended after submission — double-check before submitting.
How does the RM200 cashback work?+
Cashback is earned per qualifying transaction (≥ RM500), at RM50 per transaction up to 4 transactions = RM200 maximum. Examples: 1 qualifying transaction = RM50 · 2 transactions = RM100 · 3 transactions = RM150 · 4 transactions = RM200 (capped). Qualifying transactions must be completed between 1 June and 31 October 2026.
When will I receive my cashback?+
Cashback earned from successfully completed qualifying transactions in any given calendar month (within the qualifying period) will be disbursed by no later than the 15th day of the following calendar month. For example, cashback rewards accumulated from transactions completed in June 2026 will be paid out by no later than 15 July 2026.Full payout terms are detailed in the Campaign T&Cs.
What if I only make 1 or 2 qualifying transactions?+
You’ll receive partial cashback based on your transactions: 1 transaction = RM50, 2 = RM100, 3 = RM150, 4 (or more) = RM200 maximum. Even one qualifying transaction earns you RM50 — there’s no minimum threshold to qualify for cashback. Just make sure each transaction is at least RM500 and completed by 31 October 2026.
Can I earn the full RM200 on one big transaction?+
No. The RM200 maximum is earned through up to 4 qualifying transactions at RM50 each. This is a hard cap regardless of transaction value — a RM5,000 transaction still only counts as RM50 toward your cashback. The structure exists to encourage you to experience CrediBill multiple times.
Is there a limit to the cashback reward pool?+
Yes. The campaign features a total cashback pool allocation of **RM20,000.00**. Rewards are distributed on a strict first-come, first-served basis, determined by the exact timestamp when a Qualified Buyer successfully completes each qualifying transaction. Once the RM20,000.00 pool is fully utilised, the cashback incentive will conclude[cite: 57]. We highly recommend encouraging your referred clients to complete their onboarding and transactions early to secure their rewards!
How long does approval take?+
Typically up to 5 working days from a complete Sign-Up Form submission. You’ll be notified by email when your account is approved or if we need additional information.
Is CrediBill a loan? Will it affect my credit score?+
No, CrediBill is a B2B BNPL (Buy Now Pay Later) platform, not a financing service. It does not appear on CCRIS/CTOS and does not affect your company’s credit score. You’re not taking a loan — you’re using a payment platform that lets you pay suppliers now and settle with CrediBill later.
What are CrediBill’s fees?+
A 0.5% to 1.0% fee is charged on each transaction’s value (for both Buyers and Suppliers), depending on the agreed payment terms. There are two types of fees: an Admin Fee and an Early Payment Fee. No hidden charges — all costs are known upfront and only paid upon use.
Is there a minimum or maximum credit limit?+
There is no fixed minimum or maximum limit. Your credit limit is calibrated to your business needs and transaction history with your buyers and suppliers — so it matches your actual working capital requirements.
How long are the payment terms?+
CrediBill offers flexible payment terms up to 120 days, tailored to your cash flow needs. You’ll work with our team to set terms that match your business cycle.
Is CrediBill regulated?+
CrediBill is powered by CapBay, an award-winning Supply Chain Finance and Peer-to-Peer (P2P) Financing platform licensed by the Securities Commission Malaysia. CapBay has been recognised by CNBC and Statista as one of the World’s Top Fintech Companies for three consecutive years (2023–2025).
Where can I read the full Terms & Conditions?+
The complete Terms & Conditions for the Welcome Cashback Offer are linked at the top of this page (in the banner below the hero). We recommend reading them in full before signing up.
💰 RM200 Welcome Cashback

Ready to get started?

Sign up today, get verified within 5 working days, and start earning RM50 cashback per qualifying transaction — up to RM200 total. First-Come, First-Served Rewards.

Sign Up Now →