mbi98 Bonus & VIP: know the rules before you claim
Finish this guide and you can price any reward before you take it: the turnover you owe in ringgit, the games that count, the habits that void a claim, and the tier your monthly play actually supports.
Written for players in Malaysia who deposit with Touch ’n Go eWallet, DuitNow, FPX or a bank transfer and want the numbers up front rather than after a withdrawal gets held.
- First deposit
- 190%
- Bonus cap
- RM175
- Turnover
- 10x
- Minimum deposit
- RM15
Bonus unlocks for play, not for cash withdrawal. Turnover must clear before any bonus-linked money leaves the account.
How the four rewards fit together
mbi98 runs four separate rewards and each one solves a different problem. The welcome bonus pays on the deposit that opens your account. The reload bonus lifts later deposits by 27%. Daily cashback returns 0.6% on the Member tier after a losing day. The referral bonus pays RM60 when a friend you invited signs up and plays.
None of this arrives as cash. Every reward lands as bonus credit tied to a turnover condition, and that condition is where claims go wrong. Read the figure before the figure reads your balance: a 190% bonus against 10x turnover means you will wager multiples of your own deposit before a ringgit of it becomes withdrawable.
The numbers below are the full first deposit terms. Nothing is hidden in a second page.
Walk a claim from RM15 to first bet
The whole sequence takes minutes because deposits clear in about 1 minute. What takes planning is the turnover, not the paperwork.
- Open the accountRegister with your mobile number and email, set one password, and use your real name so verification later matches your bank details.
- Deposit RM15 or moreTouch ’n Go eWallet, DuitNow, FPX Online Banking and bank transfer all work. Credit normally shows inside 1 minute.
- Opt in to the welcome bonusConfirm the bonus before you start playing. A deposit that goes straight into a game without opting in is treated as a plain deposit and the 190% is not attached.
- Play through 10x turnoverStakes on real-money rounds count. When the requirement is met, request a withdrawal of RM70 or more and it is typically paid in about 29 minutes.
The clock is the part people forget. A bonus is valid for 7 days. Miss the deadline and the bonus credit plus anything won from it is removed, while your own deposit stays in the account. If you deposit RM15, you owe RM435 in turnover. If you deposit RM100, the 190% would be RM190, but the RM175 cap applies, so you carry RM275 of credit and RM2,750 of turnover.
Work out your turnover before you claim
The formula is short: deposit plus bonus, multiplied by 10. Wins do not shorten it and losses do not extend it. What moves the total is the size of your deposit, because the bonus scales with it until the RM175 cap takes over.
| Deposit | Bonus received | Total credit | Turnover to clear |
|---|---|---|---|
| RM15 | RM28.50 | RM43.50 | RM435 |
| RM50 | RM95 | RM145 | RM1,450 |
| RM100 | RM175 (capped) | RM275 | RM2,750 |
| RM200 | RM175 (capped) | RM375 | RM3,750 |
Two things fall out of that table. First, above roughly RM92 the cap is already reached, so a bigger first deposit buys you no extra bonus, only a bigger turnover bill. Second, the minimum deposit of RM15 is not a token amount here. It gives you a real claim with the smallest possible commitment.
Withdrawal has its own floor: RM70 minimum per request, in about 29 minutes once approved. The daily ceiling on the Member tier is RM5,000 and it rises with your tier, which matters if you clear a large turnover in one session.
Which games move your turnover
Turnover is counted from the stakes you place on real-money rounds. Practice play, cancelled bets, voided rounds and stakes refunded by a game fault never count. If a round is voided mid-session, that stake does not appear in your progress figure.
Bet range decides how quickly a target clears. A player chasing RM1,450 at RM2 a spin needs 725 spins. The same player at RM0.50 on a smaller title needs 2,900. Neither is better; the second just stretches across more sessions and more of the 7-day window.
| Game | Provider | RTP | Min bet | Max bet |
|---|---|---|---|---|
| Color Prediction | Sexy Gaming | 97.4% | RM1 | RM2,500 |
| Panda Dragon Boat | PG Soft | 97.4% | RM2 | RM500 |
| Monster Triple | Spribe | 96.7% | RM1 | RM1,000 |
| Go Goal Bingo | Habanero | 95.5% | RM2 | RM100 |
| 3-Hand Casino Hold'em | Sexy Gaming | 96.0% | RM0.10 | RM2,500 |
| Captain Fisher | JILI | 95.0% | RM0.50 | RM100 |
| Pearls of Bingo | KA Gaming | 95.1% | RM0.50 | RM500 |
| Super Keno | Spribe | 95.0% | RM0.50 | RM100 |
Read the RTP column as the long-run return on stakes, not a promise for one session. Across 4,400 games from JILI, Sexy Gaming, PG Soft, KA Gaming, Pragmatic Play, Habanero and Spribe, the spread is narrow enough that bet sizing changes your experience far more than game choice does.
What gets a bonus removed
Most forfeited bonuses are not fraud. They are small shortcuts taken in the first hour. These are the ones that cost players their credit most often.
- One household, one welcome bonus. A second account on the same address, device or bank account breaks the rule and both accounts lose the reward.
- Betting both sides to grind turnover. Backing red and black, or player and banker, on the same round to move volume without risk is treated as abuse.
- Withdrawing before turnover clears. The request is rejected and the bonus balance stays locked until the requirement is met or the 7 days run out.
- Letting the clock expire. After 7 days the bonus credit and any winnings built from it are removed, leaving your original deposit untouched.
- Sharing an account. Login credentials passed to a friend so they can help clear turnover ends with the bonus voided.
- Name mismatch at verification. If the account name, bank account and ID documents do not agree, no withdrawal is released until it is resolved.
Where a claim is stopped, live chat runs 24/7 and can explain exactly which rule applied. Bring the deposit reference; it makes the check quick.
Pick a VIP tier you can hold
VIP status runs on monthly turnover, not on deposits and not on how long you have played. Five tiers sit on the ladder, and every level carries its own cashback rate, daily withdrawal ceiling and birthday bonus. Higher tiers also unlock a personal manager at Master and above.
Member
Every account starts here.
- Monthly turnover
- RM0
- Cashback
- 0.6%
- Daily withdrawal
- RM5,000
- Birthday bonus
- None
- Manager
- Not included
Star
First step up the ladder.
- Monthly turnover
- RM55,000
- Cashback
- 0.85%
- Daily withdrawal
- RM9,200
- Birthday bonus
- RM600
- Manager
- Not included
Elite
For regular monthly volume.
- Monthly turnover
- RM170,000
- Cashback
- 1.1%
- Daily withdrawal
- RM17,000
- Birthday bonus
- RM1,800
- Manager
- Not included
Master
Manager access begins here.
- Monthly turnover
- RM530,000
- Cashback
- 1.35%
- Daily withdrawal
- RM31,000
- Birthday bonus
- RM5,300
- Manager
- Included
Legend
Top of the ladder.
- Monthly turnover
- RM1,600,000
- Cashback
- 1.6%
- Daily withdrawal
- RM57,000
- Birthday bonus
- RM16,000
- Manager
- Included
How you move up, and how you slide back
Turnover is measured over a calendar month. Cross a threshold and your account moves to that tier for the next month. Fall below your current threshold and you drop to the level your play supports, which is why chasing a tier for one big month rarely holds.
The practical test is simple. If RM55,000 a month is more than you would stake anyway, Star is not a reward, it is a bill. Aim for the tier one step above your normal pattern and let it arrive on its own.
What the cashback rate is worth
Cashback is paid as a percentage of a losing day, so the tier rate multiplies directly. The gap between Member and Legend is 1.6% against 0.6%, and it shows up fast on heavy days.
| Net loss | Member 0.6% | Star 0.85% | Legend 1.6% |
|---|---|---|---|
| RM500 | RM3.00 | RM4.25 | RM8.00 |
| RM1,500 | RM9.00 | RM12.75 | RM24.00 |
| RM5,000 | RM30.00 | RM42.50 | RM80.00 |
Track the RM60 referral credit
Referral pays RM60 for each friend who registers on your link and completes the qualifying deposit and play. It is a flat amount, so ten real friends are worth RM600 and ten accounts you opened yourself are worth nothing.
Two rules carry most of the weight. Self-referral is banned, and a referred account on your own device or bank details is treated as self-referral. The reward also lands as bonus credit under the same 10x turnover, so treat RM60 as play money with a condition rather than as cash.
Track pending referrals from inside the account, and keep the app installed if you want the notification when a friend clears the qualifying play. The mbi98 app is free, 45 MB, and runs on Android 10.0 and above. Full mechanics sit in the referral guide.
Questions before your first claim
1Can I withdraw a bonus before the turnover is finished?
No. Bonus credit stays locked until the 10x requirement is met. You can still withdraw your own deposit if you choose to forfeit the bonus, but the bonus balance and anything won from it go back to the house.
2What happens when the 7 days run out?
The bonus credit is removed along with winnings built on it. Your own deposit remains in the balance and stays withdrawable once it clears the RM70 minimum. Nothing is deducted from your own funds.
3Which payment method should I use for the first deposit?
Touch ’n Go eWallet, DuitNow, FPX Online Banking and bank transfer all qualify. Deposits normally land in about 1 minute, and the minimum for the bonus is RM15. Use an account in your own name so verification later lines up.
4How long does a withdrawal take after I clear turnover?
Around 29 minutes once approved. The minimum request is RM70, and the daily ceiling starts at RM5,000 on the Member tier and rises with your VIP level. A first withdrawal can take up to 1 hour while verification is completed.
5Do I need to verify before my first withdrawal?
Yes. Verification happens before your first withdrawal. Upload a National ID Card, passport or driving licence and allow up to 24 hours for review. Submitting it early means the cashout is not held at the finish line.
6Can I open a second account to claim the welcome bonus again?
No. The welcome bonus is one per person, household and payment account. A duplicate account forfeits the reward on both accounts, and it can freeze the balance until support has cleared the case.
Claim the 190% first deposit bonus
Deposit RM15, take up to RM175 in bonus credit, and clear RM435 of turnover on the smallest version of the claim. The full terms are on this page, so nothing surprises you at withdrawal.