> Quick view: The Setel Groceries Galore cashback (RM6.90 on a single RM100 bill at Mydin, AEON BiG or Lotus's self-checkout) ended on 30 September 2026 and has no October successor. What still pays you for using Setel's QR at the supermarket is the 3x Mesra Rewards points campaign, to 31 October 2026: 60 points, about RM0.60, on a RM100 bill. DuitNow QR earns nothing.

What changed on 1 October

On 4 October 2026, Setel's promotions page no longer listed Groceries Galore, and its campaign page returned a "page not found" error. Two other Setel campaigns that ran alongside it also closed on 30 September:

  • Groceries Galore Merdeka Special: RM6.90 cashback on one RM100+ grocery transaction, one per user, 5,910 redemptions nationwide. Ended 30 September.
  • Full Thank From Us: a daily draw of 10 winners for RM50 Setel Credit on a RM50+ fuel transaction. Ended 30 September, and the winner lists are still posted on its page.
  • Bill payment 5% cashback for first-time Setel bill payers, capped at RM5. Ended 30 September.

No grocery-specific Setel offer replaced them. The live Setel campaigns on 4 October are the 3x Mesra Rewards points, Refer a friend, the PETRONAS Kedai Mesra draw *Senangnya! Ini Baru Mesra*, Carro used-car cashback and PETRONAS lubricant deals. Only the first one touches a supermarket bill.

How the 3x Mesra points work on a grocery bill

The campaign is officially "Earn 3x Mesra Rewards Points with Every Spent", organised by Setel Ventures Sdn Bhd. It runs from 1 August to 31 October 2026, 11:59pm. Its terms set two rates:

  • 3 points per RM5 on payments made through the Setel app at physical or online stores, plus parking, road tax, EV charging, bill payment, motor insurance, car service and Café Mesra Pick-up. A Mydin, AEON BiG or Lotus's bill paid with the Setel QR falls here.
  • 3 points per RM1 at Kedai Mesra, the shop inside PETRONAS stations. That is five times richer per ringgit.

Each rate is 1 base point plus 2 bonus points. They are credited automatically after the transaction and the points do not expire while your account is active. You redeem them in the Setel app at RM1 for every 100 points, as wallet balance for fuel or Kedai Mesra.

These are excluded from both rates:

  • Fuel purchases
  • DuitNow QR, even when you pay from inside the Setel app
  • Reloads and prepaid top-ups
  • Deliver2Me
  • Debonairs Pizza and Steers Pick-up

At Kedai Mesra, cigarettes, Touch 'n Go, ePay and Setel's Scan & Earn are also excluded.

The DuitNow rule is the one that costs people money. Supermarket counters usually display a DuitNow sticker, and the Setel app will happily pay it. Setel's own Scenario 3 is a RM150 grocery bill paid by DuitNow QR through the app, which earned zero points. To qualify, the cashier has to scan the Setel code in your app, or you scan the store's own Setel QR.

Worked examples for October

  • RM100 at AEON BiG, cashier scans your Setel QR: 60 points, about RM0.60 (0.6% back).
  • RM250 monthly stock-up at Mydin on Setel QR: 150 points, about RM1.50.
  • The same RM250 paid by scanning the DuitNow sticker in the Setel app: 0 points.
  • RM20 of snacks and drinks at Kedai Mesra on Setel: 60 points, about RM0.60 (3% back). Because it clears RM15 in one transaction, it also earns one entry in the Senangnya! Ini Baru Mesra draw.
  • For comparison, the same RM100 grocery run in September earned RM6.90 cashback plus the same 60 points, about RM7.50. October pays about a twelfth of that.

Who should still pay groceries with Setel, and who shouldn't

Keep using it if you already top up your Setel Wallet for petrol. The points are free money on payments you were making anyway, there is no per-user cap, and the balance goes straight back into fuel. If you shop at Kedai Mesra often, it is the better place to spend through Setel this month: 3% back beats 0.6%.

Skip it at the supermarket if you have any card or e-wallet that returns 1% or more on groceries, because 0.6% is a weak rate on its own. Also skip it if topping up Setel costs you a card's cashback on the top-up. Note too that the RM5-tier pool is capped at RM144,884 for the whole campaign and Setel publishes no running counter. If the pool runs out before 31 October, the bonus points stop.

The fine print

  • Open to Setel users who are Malaysian citizens aged 16 and above. Unlike Groceries Galore, there is no "selected users" wording.
  • No per-user cap. Every qualifying transaction earns.
  • Bonus points do not count towards Setel membership tiering.
  • Family Wallet: bonus points go to the person who made the payment, and base points go to the wallet owner.
  • Setel can end or amend the campaign "unless otherwise notified", so confirm the 3x banner still shows in your app.

Other Setel offers still running

  • Refer a friend, to 31 December 2026: you and the friend each get RM3 Setel Credit after they register and spend their first RM30 through the app, on fuel or at Kedai Mesra. Find it under Profile, then the Refer a Friend tile.
  • Senangnya! Ini Baru Mesra, to 31 October 2026: spend RM15 or more in a single Kedai Mesra transaction and pay with Setel for one draw entry. The grand prize is RM10,000 cash. Each transaction earns one entry whatever its size, so two RM15 bills beat one RM30 bill.

Related reads

Checked on 4 October 2026 against Setel's promotions index, the 3x Mesra Rewards points terms PDF (revision dated September 2026), the Refer a friend page and the Senangnya! Ini Baru Mesra campaign page. The Groceries Galore page now returns "not found". The RM1 per 100 points redemption rate is from Setel's help centre.

*Cover image: Setel*