AmBank has enabled Apple Pay for its Visa Debit cardholders on PayNet’s MyDebit network. The bank says it is the first in Malaysia to route Apple Pay debit transactions through the country’s domestic payment infrastructure.

The rollout extends Apple Pay access to MyDebit users for in-store, in-app, and online purchases. AmBank had already supported Apple Pay for its credit cardholders, and the latest update brings the same functionality to debit card users transacting on Malaysia’s domestic payment network.

How It Works

Customers can add their AmBank Visa Debit Card to Apple Wallet directly through the wallet app or via the AmOnline app. In-store payments can be made using an iPhone or Apple Watch, while in-app and online purchases are supported across iPhone, iPad, and Mac.

Each transaction is authenticated using Face ID, Touch ID, or a passcode. Card details are not stored on the device or on Apple servers. Instead, a unique Device Account Number is assigned and encrypted in the device’s Secure Element chip, which means the actual card number is never shared with merchants during a transaction.

Existing rewards and benefits tied to the AmBank Visa Debit Card continue to apply when paying through Apple Pay.

RM30 Cashback For Early Users

To mark the launch, AmBank is running a cashback campaign from 15 April to 14 August 2026. Eligible cardholders who make three transactions of at least RM30 each within a calendar month using Apple Pay will receive RM30 cashback. The offer is limited to one redemption per customer and is available on a first-come, first-served basis.

Qualifying spend includes e-commerce platforms and online subscriptions, local and overseas retail and grocery stores, and food and beverage outlets, as well as any other categories where Apple Pay is accepted.

Qualifying spend covers most categories where Apple Pay is accepted, including e-commerce, retail and grocery stores, as well as food and beverage outlets.

What This Means For AmBank Debit Card Users

AmBank Visa Debit cardholders can now make contactless payments through Apple Pay without needing to carry a physical card, with transactions processed on Malaysia’s local payment rails via PayNet’s MyDebit network. For iPhone users who already use Apple Pay for their AmBank credit cards, the extension to their debit card brings a more consistent experience across their accounts.

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Andrew Cheng

Andrew writes about personal finance and consumer behaviour, drawing on over a decade in digital media and editorial across tech, automotive, and now financial content. He believes every financial topic has a clearer way to be explained, and won’t stop until he finds it. When he’s not in front of a camera or editing copy, he’s either down a tech rabbit hole or researching a car he has no intention of buying.

• TAGS:
• AmBank
• Apple
• Apple Pay
• Debit Card
• MyDebit
• PayNet

About THE AUTHOR

Andrew Cheng

Andrew Cheng

Andrew writes about personal finance and consumer behaviour, drawing on over a decade in digital media and editorial across tech, automotive, and now financial content. He believes every financial topic has a clearer way to be explained, and won't stop until he finds it. When he's not in front of a camera or editing copy, he's either down a tech rabbit hole or researching a car he has no intention of buying.

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