• Ambank Debit Mastercard

    Use the AmBank Debit Mastercard to pay conveniently for your retail and service purchases from AmBank current/savings account. The card provides facilities, such as easy access to cash, and is accepted worldwide at all Mastercard or MyDebit merchant outlets. Some of the key benefits of the card include:

    • Dual functionality of being both an ATM and payment card.
    • 3D secure protection for online transactions.

    Ideal for: Those looking for a convenient and hassle-free method of payment.

    Key Features and Benefits

    Features Description
    Daily withdrawal limit Up to RM5,000.
    Daily purchase limit Up to RM10,000.
    Types of accounts Maybank2u savings or current account.
    Contactless Payment Available for both MyDebit and Mastercard.
    3D Secure Protection Available by default with the card.
    Internet Banking Available with AmOnline Internet banking for both Savings and Current Accounts.
    Pre-authorization transactions Can be activated for hotel and fuel payments.
    Overseas Transactions Can be activated for the card upon request.
    Card-Not-Present facility Can be activated for online transactions, mail order, and phone order spends.

    Other Benefits

    The debit card offers certain additional benefits, such as:

    • Make purchases at over 29 million Mastercard and MEPS outlets.
    • Transfer money and pay bills easily for 450 bill payees.
    • Withdraw cash at any Mastercard or MEPS enabled ATM located globally.
    • Make secure payments with PIN authorization.
    • Get real time records of all transactions made from your AmBank Savings or Current Account.
    • Easily change the limit of your transactions according to your convenience at any AmBank ATM, branch, or contact the AmBank call centre.
    • Get exclusive offers and privileges with a wide network of participating AmBank spot merchants.

    Fees and Charges

    Fee Type Amount
    Annual Fee
    • Waived for the first year.
    • Waived for life if card is linked to Basic Savings Account or Basic Current Account.
    • RM8 p.a. from the second year if card is linked other AmBank savings/current account.
    Fees for issuing  card RM12 per card.
    Fees for upgrading ATM card to debit card RM12 per card.
    Card Replacement
    • Loss/Theft of card: RM12.
    • Damaged card: RM12.
    • Forgotten PIN: RM12.
    • Faulty chip: No charge.
    • Card renewal: No charge.
    Cash withdrawal fee
    • AmBank ATMs/Branches: No charge.
    • MEPS Network
      • Local banks/ MEPS ATMs: RM1 per withdrawal
      • Local foreign banks incorporated with MEPS: RM4 per withdrawal.
    • NETS/Artajasa regional network: RM10 per withdrawal.
    • CIRRUS/Mastercard network: RM10 per withdrawal.
    MyDebit payments No charge.
    Overseas Transaction Conversion Fee A conversion rate shall be applicable on the card as decided by Mastercard on the date of processing.
    Pre-authorization transactions Can be activated for hotel and fuel payments.

    Eligibility

    The eligibility to apply for the AmBank Debit Mastercard is as follows:

    • People with an AmBank Current/Savings Account aged 18 years and above.
    • People with an AmBank Current/Savings Account aged between 12 years and 17 years. In order to apply, such users need a signed letter of indemnity from his/her parents or legal guardians.

    Daily transaction limits

    Type of Transaction Default Limit Maximum Limit
    ATM & Cirrus daily withdrawal limit
    18 years and above RM1,000 RM5,000
    Below 18 years RM200 RM5,000
    MyDebit and MasterCard daily purchase limit
    18 years and above RM3,000 RM10,000
    Below 18 years RM200 RM5,000
    Contactless limit (for MyDebit and MasterCard) – it is a part of the daily purchase limit
    Per transaction RM2501 Not applicable
    Per day RM1,000 RM1,000
    Consecutive transactions per day 5 times. The counter is reset every time a contact transaction is made. Not applicable.

    AmBank Debit Mastercard Promotions

    • Get 15% off when you make purchases on the Flower Chimp website. The offer is applicable for all products available on the website. The offer is valid till 31 January 2019.
    • Enjoy a 9-in-1 Rejuvenate Anti-Aging Scalp Treatment at Holistic Hair Care Salons for RM10 only. The promotion is meant for first-time customers only. The promotion shall be applicable only for customers facing the following issues: air loss, all types of dandruff, female and male pattern baldness, thinning hair, greasy scalp, or post-natal hair loss. The offer is valid till 31 July 2019.
    • Enjoy 20% off Takamine guitars and ukuleles when you pay with your debit card. Get 1 complimentary beginner music class as well comprising of one 1 thirty minute lesson. The offer is applicable till 31 August 2019.
    • Get 15% off groceries when you spend for the first time on the HappyFresh website and mobile app. Payments are to be made from HappyFresh account linked to the card. The promotion is applicable on all products available on the mobile app and the website. The offer is valid till 30 June 2019.

    How to Apply

    • You can visit the nearest AmBank branch and select the option to apply for an AmBank Mastercard option when opening a Current or Savings Account.
    • You can also convert your existing debit or ATM card to the new AmBank Debit Mastercard by submitting your card and an identification proof.

    Any one of the following documents are required in order to open an account with the bank.

    • MyKad/Army/Navy/Police Identification document of the applicant.
    • MyKid/Birth Certificate of the applicant (only for opening a Trustee Account).
    • Valid passport (only for non-Malaysians).

    A deposit fee of RM20 is to be made for the card, depending on the type of account.

    Conclusion

    AmBank Debit Mastercard provides easy and fast payment options. Use the promotions to enjoy more benefits with this card. You can also use it in tandem with credit cards to save more on your purchases.

    FAQs

    Q. Is there a way to remove the contactless payment facility of my card?

    A. Yes. You can cancel the contactless payment service by calling the AmBank Contact Centre at +603 2178 8888, or visiting any AmBank branch.

    Q. I am travelling for work outside the country. What do I need to activate overseas transactions on my debit card?

    A. You can visit any AmBank ATM or branch in order to activate the overseas transactions facility on your card. Alternatively, you can also call the Contact Centre at +603 2178 8888 for overseas activation.

    Q. Is it possible to get a copy of my transactions made with the AmBank Debit Mastercard?

    A. Yes. You can contact the bank and ask for a sales draft copy, which shall cost you RM10 per copy.

    Q. What is the holding period and amount applicable for pre-authorized fuel payments?

    A. RM200 shall be held as the pre-authorization amount for fuel payments. The holding period would be 3 or 5 days from the day of transaction. This amount shall be returned to the account and the actual amount shall be paid back.

    Q. Can I link my AmBank Joint Savings or Current account?

    A. Yes. You can link your AmBank Joint Saving or Current Account if the account can be operated independently by each of the joint account holders.

    Q. After changing my ATM card to AmBank Debit Mastercard, will the auto bill transaction merchants get transferred to the new card?

    A. Since the card number would change after shifting to the new card, the auto bill transaction merchants have to be added again. It is also advisable that the service provider is informed of the new card number.

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