• AmBank True Debit Mastercard

    Enjoy a range of benefits while paying for a number of goods and services with the TRUE Debit Mastercard. You can get the convenience of making payments anywhere in the world with Mastercard. Make hassle-free transactions when travelling abroad. some of the major highlights of the card include:

    • Easily transfer money and pay bills at over 450 bill payees.
    • Make secure payments with PIN authorization at all retail outlets.

    Ideal for: Those who make shopping- and travelling-related through debit cards.

    Key Features and Benefits

    Features Description
    Daily withdrawal limit Up to RM5,000.
    Daily purchase limit Up to RM10,000.
    Types of accounts
    • AmBank TRUE Transact Account.
    • AmBank TRUE Savings Account.
    Contactless Payment Applicable for outlets enabled with MyDebit and Mastercard PayPass payment methods.
    3D Secure Protection Applied by default for secure online transactions.
    Internet Banking Available with AmOnline Internet banking for both TRUE Transact and Savers Accounts.
    Pre-authorization payments Can be done for fuel and hotel 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.
    Interbank/GIRO Transfer Available.

    Other Benefits

    • Benefit of convenient payments through Mastercard and MEPS at over 29 million outlets.
    • Advantage of both ATM withdrawals and transaction payments with one card.
    • Facilities to draw money from any Mastercard MEPS enabled ATM located worldwide.
    • Safe online payments with 3D secure protection.
    • Immediate recording of all transactions at your TRUE AmBank online website connected to your TRUE Transact/Savers Account.
    • Flexible transaction limits for your card which can be changed at any AmBank ATM, branch or the TRUE Dedicated Service Team at +603 2178 8999.
    • Special offers and privileges with your TRUE by AmBank Debit Mastercard available for a number 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.
    • RM10 p.a. from the second year if the card is linked to other AmBank savings/current account.
    Fees for upgrading ATM card to debit card RM10 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 fee as decided upon by Mastercard International shall be applicable on the date of processing.


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

    • You have to be 18 years and above.
    • Your children aged between 12 and 17 years (only if you have an AmBank Transact/Savers account).

    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 RM250 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 True Debit Card Promotions

    • Get 10% off normal-priced items at all Birkenstock stores in Malaysia. The offer is valid until 31 December 2018.
    • Enjoy 40% discount on frames and sunglasses at GOC outlets. The promotion is not applicable for sunglasses. The offer valid until 31 December 2019.
    • Get 10% off hotel bookings through the Expedia Malaysia website. You have to use the promo code “AMBEXPMY18” while booking. Also, get RM50 off combined flight and hotel bookings with a minimum of 2 nights stay. Use the code “AMBEXPMY18PK” at checkout after booking hotel and flight tickets together. Offer valid till 31 December 2018.
    • Enjoy 10% off all products at Korloff Paris showrooms. Additionally, get 20% off all products during your birthday month. The offer is valid until 28 February 2019.

    How to Apply

    • Visit the nearest AmBank branch and ask for a TRUE Debit Mastercard when applying for a TRUE Transact/Savers Account.
    • Convert your ATM or debit card to the new TRUE Debit Mastercard only if you have an existing TRUE Transact/Savers Account.

    The following documents are required in order to open a TRUE Transact/ Savers Account.

    • 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.


    TRUE by AmBank Debit Mastercard provides an easy way to shop and travel with your AmBank Transact/Savers Account. It is ideal for a variety of retail and online payments. You can use this card with other AmBank credit cards to enjoy more benefits. Keep a tab on other AmBank card promotions to make the most of your card.


    Q. How do I get a monthly statement of my payments?

    A. You will get a monthly statement in your AmOnline webpage sent on the 1st day of each month at no cost. It shall be a consolidated statement of your AmOnline Transact and Savers accounts. You can also get a hard copy of the statement on payment of a certain amount which shall be deducted every month from your account.

    Q. Where can I get further information?

    A. You can visit the TRUEWebsite, or contact the 24-hour TRUE Dedicated Service Team at +603 2178 8999. You can also send them an email at [email protected] can also write to the TRUE correspondence address at P.O. Box 12617, 50784 Kuala Lumpur, Malaysia.

    Q. How can I activate overseas transactions on my debit card?

    A. You can call the TRUE Dedicated Service Team at +603 2178 8999, or visit the nearest AmBank branch.

    Q. Is it possible to reduce the limit of the Contactless Pay service?

    A. Yes. The default limit of payment is RM1,000 for Contactless Pay transactions per day, and you can make 5 consecutive transactions with the card. The limit of the transaction amount can be reduced by contacting the TRUE Dedicated Service Team at +603 2178 8999 or by visiting the nearest AmBank branch.

    Q. Who do I contact in the event of loss/theft of my card?

    A. You should notify the bank immediately in the case of loss/theft of the card in order to immediately deactivate the card. You can contact the bank at +603 2178 8999 at any time of the day, or can visit the nearest branch of AmBank.

    Q. Are there any special features available with the TRUE Transact Account?

    A. Some of the major benefits with the TRUE Transact Account are:

    • 5 free MEPS withdrawals per month at any other bank’s ATMs in Malaysia.
    • Free unlimited interbank GIRO (IBG) transactions via online banking or through ATMs.
    • Over-the counter withdrawals are allowed with this account.

    Q. Are there any special features available with the TRUE Savers Account?

    A. The major features of the TRUE Savers Account are:

    • 3 free debit transactions per month- including any withdrawals/transfers/payments per month.
    • Fee charged for all transactions above the 3 withdrawals per month.
    • Interest calculated on the balance on a daily basis at the end of each day. The interest shall be accumulated in accrual buckets and credited to the account automatically at the end of the month.
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