|Launched||18 March 1997|
|Manager||Touch 'n Go Sdn Bhd|
|Stored-value||Pay as you go - Generic Card|
|Credit expiry||12 months if dormant|
|Auto recharge||Touch 'n Go Zing Card|
|Unlimited use||Rapid KL MY50 & MY100|
|Website||Touch 'n Go|
The Touch 'n Go smart card is used by Malaysian toll expressway and highway operators as the sole electronic payment system (EPS). The credit card-sized smart card is made of plastic with Philips' MIFARE Classic microchip technology embedded in it.
The Touch 'n Go systems are designed to process up to 800 vehicles per hour to ease the queue congestion at toll plazas and if used together with SmartTAG (a non-stop electronic toll collection system), will be able to process up to 1,200 vehicles per hour.
Touch 'n Go was developed by Teras Teknologi Sdn Bhd while the brand and the Real Time Gross Settlement (central clearing house systems) are owned and operated by Rangkaian Segar Sdn Bhd as now known as Touch 'n Go Sdn Bhd. The first Touch 'n Go system was installed and used at Jalan Pahang Toll Plaza on 18 March 1997. It was then immediately extended to Jalan Cheras toll plaza and the East–West Link Expressway toll plaza on 15 April 1997. The Touch 'N Go toll payment system was fully implemented throughout the 848 km North–South Expressway on 15 November 1998. This was made possible when the service was extended to the northern sections of the highway from Jelapang to Jitra. As such the smart card can be used to pay toll from Kempas in Johor to Jitra in Kedah, making it one of the world's longest single stretches of expressway to have electronic toll payment systems. The official launch was done at the Sungai Dua toll plaza and officiated by Rangkaian Segar Sdn Bhd's then chairman, Datuk Dr Ramli Mohamad.
The Touch 'n Go system was implemented in Cityliner Sdn Bhd, a stage bus service in Klang Valley in 2000.[dubious ] Touch 'n Go card users enjoyed discount fares of 10% when it was first introduced. Due to the needs to further consolidate company operations, card users were required to pay full fare prices after 13 November 2003. However, the Touch 'n Go card reader system on board buses was not well maintained by the bus operator. Card readers often malfunctioned and were not updated. Another subsidiary of Park May Berhad, City Profile Sdn Bhd, a feeder bus service (service known as Putraline) for PUTRA LRT was also introduced and the system was successfully implemented until the Rapid KL bus revamp program took place.
The Touch 'n Go facility was also embedded in Buy N Fly loyalty card rewards program for Malaysia Airlines retail arm, Golden Boutiques Sdn Bhd's which was launched in December 1999. The hybrid cards have multi function on rewards airpoint, MEPS Cash & Touch 'n Go. However, on 16 July 2002, Malaysia Airlines announced that "Buy N Fly" Programme had ceased operations and consolidated its loyalty rewards into one entity; Malaysia Airlines Enrich Frequent Flyer Programme. Buy N Fly cards are no longer issued but active hybrid card users are still able to use them to perform transactions.
The cards can be categorize into 3 types:
A standard stored value Touch 'n Go cards fare structure currently available for adult fare for public transportation fare and standard class vehicles with 2 axles and 3 or 4 wheels (Class 1) excluding taxis for toll fare. It is like a top up card.
The card is derived from several designs.
MyKad is embedded with Touch 'n Go chip since 2001.
There is also a PLUSMiles Touch n' Go card, which is available on the North–South Expressway. The card provides a 5% rebate to users of expressways operated by PLUS (E1, E2, E3, E6, E15, E29 and E36) driving in private non-commercial vehicles.
Public transportation monthly pass for Rapid KL services.
Fleet Xs card
It mainly purposed for toll fare payment. The details of company name, vehicle registration number and vehicle class was printed on the card. Credit term of 30  days given for post payment and fleet operators are able to monitor toll record/vehicle movement at highways via e-statement (itemised statement) after 24 to 48 hours from the time of transaction.
Biz Xs card
It is the same as standard card mainly purposed for corporate users.
The Touch 'n Go Zing Card is a companion card (works as generic card) that is linked to Visa, MasterCard or American Express issued by participating banks in Malaysia. Each time the card balance falls below RM50, it will trigger the auto-reload mechanism to reload RM100 into the card. The amount will be charged to the credit card plus RM2 as auto-reload fee for each time reload. The auto-reload function is only available on road tolls when the threshold trigger occurs; if the card is used to pay other services such as trains and car parks, it will not trigger the auto-reload.
The participating banks are
Zing card auto-reload facility is currently offered as a bank card.
Purchase and reload
Generally, a standard card can be purchased at the price of RM10, without any loaded value. Cards may be reloaded in multiples of RM 10 (counters and some self-service machines) or RM 5 (self-service machines only).
- Credit/Debit Card Self-Service Kiosk (SSK) - (Amex, MasterCard & VISA)
- Touch 'n Go Hub, Lot L2.07, Level 2, NU Sentral Shopping Centre
- Touch 'n Go Hub, Ground Floor, Tower 2A, Avenue 5, Bangsar South
- Nilai Lay-By (South Bound)
- Subang Toll Plaza (Outbound)
- Ebor North Toll Plaza (Inbound)
- Cash Self-Service Kiosk (SSK)
- KL Sentral (at the Kelana Jaya Line concourse)
- All Kajang Line stations
- Ampang Line, Sri Petaling Line, Kelana Jaya Line and KL Monorail major stations
- Selected shopping malls in Kuala Lumpur and Selangor
- Selected rest areas along PLUS and LPT
- Bank Negara Malaysia headquarters
- Kuala Lumpur International Airport
Cash/credit card counters
- Touch 'n Go Hubs:
- Toll Plaza Offices
- Rapid KL; LRT, MRT, Monorail, BRT major stations and bus hubs.
- KTM Komuter major stations
- Reload Agents
Cash drive-through counters
- Toll plazas with "Tambah Nilai" sign
Auto Teller Machines
- Maybank (both Malaysia and Singapore)
- Public Bank
- CIMB Bank (both Malaysia and Singapore)
- RHB Bank
- Bank Muamalat
- AmBank Cash Deposit Machine
Touch 'n Go card is not only for toll fare but also parking services, public transport, theme park and cashless payment at retail outlets.
Main article: Malaysian Expressway System
Touch 'n Go can be used in entire highways stretches in Malaysia with the familiar TnG & TAG sign marked on the road. Two systems were introduced on toll fare collection instead of manual ticket. Due to highways with numerous junctions or intersections serving short distance trips, most of Malaysia's highways use open system toll collection.
Toll fare collection on open system
Card users only have to touch at the reader at Touch 'n Go lanes counter or drive thru SmartTAG lanes at certain toll plazas. Toll fares charged are fixed regardless the distance travelled.
Toll fare collection on closed system
Card users "touch in" before entering the expressway at respective toll plazas and "touch out" at the exit toll plaza. Vehicle with card have to drive thru TnG lanes and TAG lanes for SmartTAG users. Toll fares are charged based on the distance between the entry plaza and the exit plaza. Card users have to make sure the amount balance is more than RM20 before entering the toll plaza. Those less than RM20 are required to top it up either at the offices or at TAMBAH NILAI lanes, otherwise it will not be able to enter the highway. Seven expressways do have these feature, the most famous is the North–South Expressway.
Main article: SmartTAG
An extension of Touch 'n Go is SmartTAG or TAG on board unit, which allows users to insert the card into a reader device installed in the vehicle for fully automatic/non-stop payment at toll plazas. Payment is made automatically as the toll charge is deducted from the value stored in the Touch 'n Go card.
Electronic toll collection systems
There are three types of the electronic toll collection (ETC) systems, Touch 'n Go card unit, Smart TAG on board unit and RFID tag. Touch 'n Go and Smart TAG, have been made compulsory in all expressways since 1 July 2004, following the instruction of the Works Minister, Datuk Seri S. Samy Vellu. Other electronic payment systems that were previously used by other highway operators such as PLUS TAG for all PLUS expressways network, Express TAG for Shah Alam Expressway, FasTrak for Damansara–Puchong Expressway and Sprint Expressway and SagaTag in Cheras–Kajang Expressway, were abolished in a move to standardise the electronic payment method.
|Other expressway concessionaries||PLUS Expressways|
|Toll collection systems||PLUS RFiD|
|Touch 'n Go Generic Card|
|Touch 'n Go Corporate Card|
|Touch 'n Go Zing Card|
|Touch 'n Go eWallet|
|Bank Card (Debit/Credit)|
|Notes||Nationwide toll collection on open system||RFID tag issuance by Touch 'n Go for Malaysian registered vehicle.||Nationwide toll collection on open and closed system||Nationwide toll collection on open system||RFID tag issuance by Touch 'n Go for foreign registered vehicle currently available at Johor checkpoints.||RFID tag issuance by PLUS Expressways.|
Since 2002, Touch 'n Go has been chosen as the common cashless ticketing system for all rail and bus lines in Klang Valley, in parallel with co-branded Rapid KL's My Rapid card (abolished in 2017) and KTM's Komuterlink (not using Touch 'n Go fare collection system). For all Touch 'n Go logo printed card, it is hence accepted on:
- KTM Komuter
- Rapid KL
- Express Rail Link
as well as all Rapid KL buses and Kajang Line feeder buses. Touch 'n Go is also accepted in Rapid Kuantan buses in Pahang, Perak Transit myBas Ipoh in Perak, and Panorama Melaka buses in Malacca.
Touch ‘n Go eWallet
Touch 'n Go eWallet is an integrated mobile app to use the Touch ‘n Go generic card. It allows users to add in Touch ‘n Go generic card number only easier to track the transaction. The usage balance in the eWallet is not interchangeable to the physical card and vice versa. However, the eWallet balance can be used if link to the physical card to activate the PayDirect payment mechanism.
Functions available with the app for easier daily usage:
- Pay for movie tickets
- Easier transfer money between TnG eWallet
- Top up eWallet for Toll usage
- Purchase of flight tickets
- Retail purchase with attached merchants
- Drive through tolls using money from your eWallet
List of highways that accepts PayDirect payment method:
- Senai Desaru Expressway (SDE)
- Ampang - Kuala Lumpur Elevated Highway (AKLEH)
- Besraya Expressway (BESRAYA)
- Bangunan Sultan Iskandar (BSI)
- Duta - Ulu Kelang Expressway (DUKE)
- Guthrie Corridor Expressway (GCE)
- Cheras - Kajang Expressway (GRANDSAGA)
- Lebuhraya Grand Sepadu (GRANDSEPADU)
- Sultan Abdul Halim Mu'adzam Shah Bridge (JKSB)
- Shah Alam Expressway (KESAS)
- Kuala Lumpur - Karak Highway (KLK)
- Kuala Lumpur - Kuala Selangor Expressway (LATAR)
- Damansara - Puchong Expressway (LDP)
- Kemuning - Shah Alam Highway (LKSA)
- Lingkaran Luar Butterworth (LLB)
- Maju Expressway (MEX)
- New Pantai Expressway (NPE)
- Kajang Dispersal Link Expressway (SILK)
- Stormwater Management and Road Tunnel (SMART)
- Sistem Penyuraian Trafik KL Barat (SPRINT)
- Add Value/Reload Charge
- Free reload only available from manual transaction over the counter of Touch 'n Go Hub, Highway Operation Office & selected highway toll lanes, major stations of Rapid KL & KTM Komuter. Reload over the ATM and reload agents will incur an additional fee of RM0.50 and RM1.00 at Cash Deposit machine. RM2.00 will be charged for Zingcard autoreload for every RM100.
- Cheque Refund
- Refund for card balance and deposit will be paid by cheque in one month processing and sent by post by Rangkaian Segar Sdn Bhd.
- No Usage Discount
- Concessionary users are charged between 2.0 - 2.5 percent of the profit for using the system. No discount is given but instead card users may have to pay the commission fee. Car park operators usually pass on the Touch 'n Go commission fee onto card users, resulting in users paying 10% more.
- Rebates Program
- Effective 5 Oct 2009, users can claim rebate if their usage exceeds 80 tolled transactions per month. The rebate amounts to 20% of total usage and given in points credited to the card, not cash. It is only can be claimed at the Touch 'n Go counters at the toll offices.
- Effectiveness Argued
- Although the system was introduced in the last 20 years, with the support of the Government (particularly by incorporation the system into MyKad), card and concessionary users still prefer to use cash. According to a Bank Negara report on Payment System Act 2003; 39% of non-cash transactions in Malaysia were paid with Touch 'n Go. Non-cash payment via Touch 'n Go (and SmartTAG) accounted to 35% of all toll payments nationwide and 50% in the Klang Valley. However, to date, Touch 'n Go claims their 10 years of research and development has resulted to 4 million card users (from 20 million population) and use by all 19 toll concession companies in operation in Malaysia.
- All transaction records within 3 days from the date cannot be viewed through the e-Statement. Fax transactions recorded by phone are however available within 24 hours and mostly depended on data server system. However, recently there is a site to view the transactions, up to ninety days at MYTouchnGo Portal.
- Limited CTS Fare Structure
- Fare structure only applicable for adult. The cards is not available for senior citizens, children, students or handicapped; however since 2017 RapidKL has introduced Touch 'n Go concession cards for its services, replacing the previous myrapid-based cards.
- KLIA Check-in
- Touch 'n Go card users can no longer access the airline check-in counters at KL Sentral using their Touch 'n Go card as of June 2015. The Touch 'n Go card can still be used (RM55 each way) to board the KLIA Express itself, but travellers will need to check-in at KLIA instead.
- The dormant Touch n' Go card (no transactions in 1 year), will be deactivated and incur a RM5 fee every 6 months until the card is reactivated or the balance and deposit is used up.
- Lifespan is always 10 years compared to Singapore's CEPAS cards which has a lifespan of 5 years.
- Touch 'n Go eWallet
- List of smart cards
- Multi-Lane Free Flow in Malaysia (MLFF)
- Malaysian expressway system
- "AskPLUSMiles". Archived from the original on 8 February 2017. Retrieved 7 February 2017.
- "What is Clubcard?". Tesco Stores (Malaysia) Sdn Bhd. Retrieved 7 February 2017.
- "Locations". Retrieved 13 August 2017.
- "Touch 'n Go :: No Reload Fee". Retrieved 7 February 2017.
- "Be like myBas Ipoh, go cashless, Loke tells bus service providers". Retrieved 16 January 2020.
- "Touch 'n Go :: Transit". Retrieved 7 February 2017.
- "CONCESSION CARDS". Retrieved 17 September 2017.
- "Archived copy". Archived from the original on 2011-02-10. Retrieved 2010-12-10.CS1 maint: archived copy as title (link)