How the Setel referral program works
Setel, Petronas's fuel and e-wallet app, credits RM3 to each side of a referral once the friend registers with the code and spends an accumulated RM30 on fuel at Setel-enabled Petronas stations or in Kedai Mesra stores. Credit lands within 48 hours, and the programme runs to a published end date of 30 September 2026.
What the program pays
What makes this program different
A real-world spend threshold. Qualification is RM30 of actual petrol-station or convenience-store transactions, accumulated across purchases, so the reward pays only after the friend has genuinely used the product it promotes. The terms also carry an unusually direct clawback: if a qualifying transaction is later cancelled or refunded, the credit may be revoked, and users agree to indemnify Setel for credit already spent.
Why it works
An accumulated spend threshold fits low-ticket purchases; no single fuel stop has to clear the bar.
Modest RM3 rewards priced against fuel margins keep the programme viable at national scale.
48-hour crediting is fast enough to feel causal, which matters for habit-forming app rewards.
The indemnity clause means a refunded qualifying purchase cannot leave Setel out of pocket for spent credit.
What to copy
- Let small transactions accumulate toward qualification instead of demanding one large order.
- Publish an end date for the programme; renewing is easier than retracting.
- Write down what happens when a qualifying transaction is refunded after the reward is spent.
- The RM3 figure is modest by design against fuel economics; comparisons with bank-sized bonuses mislead. The programme page carries its own end date of 30 September 2026, after which these terms lapse unless renewed.
Setel referrals, answered
How much is the Setel referral reward?
RM3 in Setel credit to each side, paid into the wallet within 48 hours of the friend completing qualification.
What must a referred friend do on Setel?
Register a new account with the referrer's code, then accumulate RM30 of transactions through the app, on fuel at Setel-enabled Petronas stations, at Kedai Mesra stores, or both.
Can Setel take the referral credit back?
Yes. If the qualifying transactions are cancelled, changed or refunded, the credit may be revoked, and the terms include an agreement to indemnify Setel for credit that has already been spent.
Setel is not a ReferralFlo customer and this page is not affiliated with, endorsed by, or sponsored by Setel. All terms described here are taken from Setel’s own published materials as at 8 September 2026 and may have changed since. Trade marks are the property of their respective owners.
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ReferralFlo runs the mechanics on this page — tiered rewards, qualification rules, caps and payouts — without engineering time.