Manage Your Travel and Everyday Spending with AFFIN Merchantrade Prepaid Card
The AFFIN Merchantrade Prepaid Card is a Visa multi-currency prepaid card jointly issued by Affin Bank Berhad and Merchantrade Asia Sdn Bhd, designed for frequent travellers, international students, and online shoppers who value convenience, flexibility, and security.
With this card, you can buy, store, and spend in up to 20 different currencies through the Merchantrade Money app, giving you full control of your funds anytime, anywhere. Enjoy cashless transactions overseas, shop online globally, and manage your money effortlessly without worrying about fluctuating exchange rates.
Why You Should Get This Card?
- Spend in Multiple Currencies: Hold and use up to 20 major currencies, including USD, GBP, EUR, and SGD, without worrying about fluctuating exchange rates.
- Manage Everything in One App: The Merchantrade Money app lets you reload funds, track spending, and lock or unlock your card instantly for peace of mind.
- Use It Worldwide: Accepted at millions of Visa merchants and ATMs around the world for shopping, dining, and withdrawals.
- Stay Safe and Cashless: Equipped with Visa payWave and PIN protection for secure, contactless payments anywhere.
How Does the Prepaid Function Work?
As a prepaid card, this isn’t linked to your bank account, so you can only spend what you’ve loaded. That makes it a great budgeting tool for travellers, students, or anyone who prefers to stay in control of their spending.
You can reload your card anytime via the Merchantrade Money app, Affin Bank branches, or selected Merchantrade outlets. Once topped up, you can use it instantly for purchases or withdrawals just like a debit card without overspending.
What Are the Fees and Charges?
Enjoy transparent, affordable fees for everyday use:
- Annual Fee: RM10
- Issuance Fee: RM10
- Local ATM Withdrawal: RM1 per transaction at participating banks (CIMB, Maybank, Affin Bank, etc.)
- International ATM Withdrawal: RM10 per transaction via Visa Plus
Who Can Apply For This Debit Card?
- General Eligibility: Applicants must be at least 12 years old.
- Minors: If the applicant is below 18, they must be accompanied by a parent/guardian with relevant supporting documentation.
What Is The Required Documents To Apply for This Debit Card?
- For Malaysians: MyKad (NRIC)
- For Foreigners: Passport, Malaysian Work Permit, or official foreign photo ID
- Malaysian-registered mobile number
- Residential address in Malaysia
- Employment details (if employed)
Frequently Asked Questions (FAQs)
Is the AFFIN Merchantrade Card a credit card?
No. It’s a prepaid Visa card, which means you can only spend the preloaded amount.
How many currencies can I use with this card?
You can store and transact in up to 20 different currencies through the Merchantrade Money app.
Can I use the card overseas?
Yes. The card is accepted globally wherever Visa is recognized both in stores and at ATMs.
How can I reload or top up my card?
You can reload via the Merchantrade Money app, Affin Bank branches, or Merchantrade outlets.
What should I do if I lose my card?
You can immediately lock or block the card through the Merchantrade Money app and request a replacement at any Merchantrade branch.
