If your monthly routine still involves bouncing between five different apps to pay Astro, settle the broadband bill, top up the phone line and clear the Air Selangor invoice, Setel is hoping to collapse all of that into one screen. Setel Ventures rolled out a new Bill Payment feature on the Setel app today, pulling 25 billers under one roof for Malaysian users.
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Kai T chevron_right
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What is in the Setel bill payment update
The Bill Payment feature lets users settle utilities, water, telecommunications and broadband bills directly inside the Setel app. The initial roster of 25 billers covers a fair chunk of recurring monthly commitments, including Astro for pay TV, CelcomDigi for mobile, TM for fixed line and broadband, Air Selangor for water and Indah Water Konsortium for sewerage. Setel says more billers are slated to come online.
To sweeten the rollout, Setel is running a monthly 10% cashback promotion tied to bills paid through the new feature. The promo sits on top of the existing Mesra loyalty mechanics that long-time Setel users already know from the fuel side of the app.
Why this matters for Malaysian users
Setel started life as a fuel payment app, letting drivers pay at Petronas pumps from their phone. Bill Payment is a fairly aggressive step away from that original lane and into territory long held by JomPAY, Touch n Go eWallet, MAE and Boost. None of those competitors have particularly polished bill payment flows, and a clean in-app experience could move real volume if it lands well.
The 10% cashback line is the part to read carefully. Bill payment is a high-frequency, low-margin product, and a sustained 10% cashback would be expensive at scale. Treat the promo as a customer-acquisition push rather than a permanent rate. The signal worth tracking is which billers Setel adds next: if it broadens beyond Petronas-adjacent partners into smaller utilities and council assessments, that suggests the company is serious about being a real bill-pay competitor.
Setel's wider play
The CEO framed the feature as part of Setel's expansion from fuel into broader daily essentials. "We believe technology should meaningfully improve everyday life by making essential services simpler, more accessible and well connected for the communities we serve," said Abdullah Ayman Awaluddin, Chief Executive Officer of Setel. The brand has been pushing the line "Setel je! semua setiap hari" alongside its #SetelUntukMalaysia campaign, both pointing toward a super-app ambition rather than a single-purpose fuel app.
Availability
The Bill Payment feature is live now on the Setel app for both Android and iOS. Existing users get it through the normal app update; new users sign up via the standard Setel onboarding. The 10% monthly cashback promotion is bundled with the new feature, with full terms inside the app.
Takeaway
Setel's bill payment push is less about adding one feature and more about positioning the app against established wallet players. If you already use Setel for fuel and Mesra points, consolidating recurring bills is a low-friction switch. If you do not, the cashback may be the lever Setel is betting on to pull you across.