Touch 'n Go

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Touch 'n Go Card
توچه ءن ڬو
Location Kuala Lumpur, Malaysia
Launched 18 March 1997
Technology Contactless smart card by
Teras Teknologi
Currency MYR
Stored-value Pay as you go
Credit expiry None
Auto recharge Auto top-up
Website Touch 'n Go

The Touch 'n Go or TnG 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 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 lane signboard.


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 E37 East-West Link Expressway toll plaza on 15 April 1997. Touch 'N Go toll payment system is fully implemented throughout the 848 km E1 E2 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 right up to Jitra in Kedah, making it one of the world's longest single stretch of expressway electronic toll payment systems. The official launch was done at the Sungai Dua toll plaza and officiated by Rangkaian Segar Sdn Bhd then chairman, Datuk Dr Ramli Mohamad.

The Touch 'n Go system was implemented in Cityliner Sdn Bhd, one of stage bus service in Klang Valley somewhere in 2000*. Touch 'n Go card users enjoyed discount fare of 10% when it was first introduced. Due to needs to further consolidate company operations and meeting current customer demands at that time as well as operational restructuring exercise, card users have to pay full fare after the new announcement made on 13 November 2003. However the Touch 'n Go card reader system in the stage bus was not well maintained by the bus operator. Card readers often malfunction and no further updated information to replace/upgrading afterward were requested. Another subsidiary of Park May Berhad, City Profile Sdn Bhd, a feeder bus service (service known as Putraline) served for PUTRA LRT was also introduced and the system was successfully implemented until the Rapid KL bus revamp program took place.

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 July 16, 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.

Card categories[edit]

The cards can be categorize into 4 types:

Prepaid card[edit]

Standard card[edit]

A standard Touch 'n Go cards fare structure currently available for adult fare for CTS 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.

There is also a PLUSMiles Touch n' Go card, which is available on the North-South Expressway.

Postpaid cards[edit]

Fleet Xs card[edit]

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 [1] 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[edit]

It is the same as standard card mainly purposed for corporate users.

Auto-reload card[edit]

Zing Card[edit]

The Touch 'n Go Zing is a companion card (works as standard 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.

Zing card auto-reload facility is currently offered as a bank card.

Purchase and reload[edit]

A standard card can be purchased at the price of RM20. It consists of RM10 deposit value and RM10 usage amount. The cards may be reloaded from 10 denominations ranging from RM10, RM20, RM50, RM100, RM150, RM200, RM250, RM300, RM400 and RM500. The minimum reload value for a credit card issued in Malaysia is RM100.

Cash counters[edit]

Cash drive-through counters[edit]

  • Toll Plaza with sign "LORONG TAMBAH NILAI & TnG"

Credit card counters[edit]

  • Touch 'n Go Hub at KL Sentral, Bangsar South Hub and Wisma Nufri Johor Bahru Hub
  • Toll Plaza Office

Auto Teller Machines[edit]

Card usage[edit]

Touch 'n Go card is not only for toll fare but also parking services, public transport, theme park and cashless payment at retail outlets.

Specialised Touch 'n Go lanes are provided at toll plazas in Malaysian Highways.

Toll fare[edit]

Main article: Malaysian Expressway System

Touch 'n Go can be used in entire highways stretches in Malaysia with the familiar TnG & SmartTAG 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[edit]

Card users only have to touch at the reader at TnG lanes counter or drive thru TAG lanes at certain toll plazas. Toll fares charged are fixed regardless the distance travelled.

Toll fare collection on closed system[edit]

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.

Public Transportation[edit]

The cards can be use as a smartcard on various public transport services, with the exception of SBS Transit 160, 170 and SMRT 950. To date, 3 companies have implemented this into their fare collection system.

A value deduction method (capping system) was developed for people who pay their RapidKL fares using a TnG card, to save money. The maximum fare will be deducted through a RM7 daily usage for Rail and Bus and RM4 daily usage for Bus. However, starting 1 December 2008, the capping system will be terminated due to lukewarm response from the TnG commuters.


  • 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.

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 10 years, with the support of the Government (particularly by incorporation the system into MyKad), card and concessionary users still prefer to use cash.
However to date, Touch 'n Go's 10 years research & development has resulted to 4 millions of card users (from 20 million of population) and use by all 19 toll concession companies in operation in Malaysia.
According to Bank Negara report on Payment System Act 2003; 39% of non-cash transaction in Malaysia is of Touch 'n Go. Non-cash payment via Touch 'n Go (and SmartTAG) accounted to 35% of all toll payments nationwide and 50% at Klang Valley.
  • E-Statement
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 months at
  • Limited CTS Fare Structure
Fare structure only applicable for adult. The cards is not available for senior citizens, children, students or handicapped.


  • 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.[2]
  • Lifespan is always 10 years compared to CEPAS cards which has a lifespan of 5 years.

See also[edit]


  1. ^
  2. ^ [1]

External links[edit]