Fast, Simple, Convenient

  • One card with dual functions, it’s an ATM and payment card.
  • Payment and online purchases at over 29 million MasterCard and MEPS merchants worldwide.
  • Hassle-free money transfer and bill payments at over 450 bill payees.
  • Cash withdrawal at any MasterCard and MEPS ATM network worldwide.


  • Your AmBank Debit MasterCard automatically comes with 3D Secure protection for online transactions. No registration is required and it is FREE!


  • Customise your own purchases by changing your spending limit at any AmBank branch, AmBank ATM or call our AmBank Contact Centre.
  • You can link your AmBank Debit MasterCard to any selected Current or Savings Account of your choice.

Manage Your Budget Conveniently

  • Easy tracking of your daily transactions and payment history via AmOnline Internet Banking.
  • Pay bills and transfer funds online by setting up recurring payments to service providers.
  • Avoid overspending with the option to change your withdrawal and purchase limit.

CHIP and PIN-enabled Card With Contactless Purchase Feature

  • PIN is used for all retail transactions instead of signature on the sales slip to provide you with greater security. To replace your existing card, click here for more information.
  • Simple, fast and secure payment by just tapping your AmBank Debit MasterCard on the Contactless reader machine.
  • Maximum of RM250 per transaction, cumulative total of RM1,000 per day and 5 consecutive transactions per day.

Important Note : Contactless limit is defaulted to RM1,000 per day, if you do not want to use this feature or would like to set a lower limit, please contact AmBank Contact Centre at +603 2178 8888 or walk in to any AmBank branches.


  • You can shop using your AmBank Debit MasterCard at any outlet that accepts MEPS MyDebit or MasterCard nationwide/worldwide.
  • Pay with your AmBank Debit MasterCard and the amount spent will be deducted from your linked Current / Savings Account.
  • Sign on the transaction slip / key in your PIN for verification.
  • Tap your AmBank Debit MasterCard on the contactless reader machine with MasterCard PayPass or MyDebit contactless logo and you are ready to go once there is a beep and green light appears indicating payment has been accepted. PIN may be required to complete the transaction.

Overseas Spending & Cash Withdrawal

  • Call our Contact Centre at +603 2178 8888 and we will assist to activate your card for overseas transactions. Alternatively, you may also activate your card at the nearest AmBank ATM or AmBank branch.

Card-Not-Present Transaction

  • CNP transactions include online (internet) transactions, mail order and telephone order transactions.
    Call our Contact Centre at +603 2178 8888 for one time activation. Alternatively you may also activate your card at any nearest AmBank branch.

Promotions and Discounts

  • Enjoy great deals and special offers with your AmBank Debit MasterCard at participating AmBank Spot merchants. For promotion details and the full listing of AmBank Spot merchants, please visit


  • AmBank Current / Savings Account holders aged 12 years and above.
    Note: Indemnity letter is mandatory to be signed by parent / guardian for customers aged 12 to below 18 years old.
  • How to Apply

    • Visit your nearest AmBank Branch and select the AmBank Debit MasterCard option when opening a Current or Savings Account.
    • For existing account holders who wish to convert their ATM Card / Debit Card to the new AmBank Debit MasterCard, visit your nearest AmBank branch and bring along your card and identification document.

    Terms and Conditions

    • AmBank Debit MasterCard Terms and Conditions (Eng & BM)
    • General Terms and Conditions for Accounts and Services (Eng & BM)

    Product Disclosure Sheet

    Frequently Asked Questions


    PIN & PAY

    AmBank Debit Card Collection Listing


Documents Required

  • MyKad / Army / Navy / Police Identification document.
  • MyKid / Birth Certificate
    (applicable to Trustee Accounts only).
  • Valid passport (only for non-Malaysians)

Minimum Initial Deposit

  • RM20 for opening of account, subject to account type.

Fees and Charges

  • Annual Fee: RM8.48 (Waived for first year).
  • Card Issuance and Upgrading from ATM Card to Debit Card Fee: RM12.72.