What is the AmBank Mastercard Debit Card?
It is a debit card linked directly to your AmBank or AmBank Islamic Current or Savings Account, and every purchase comes straight from your balance.
The AmBank Mastercard Debit Card carries a default daily purchase limit of RM5,000 and a contactless tap limit of RM1,000 a day, capped at RM250 per tap, both of which you can adjust at a branch or ATM.
Beyond the usual ATM and point-of-sale functions, the card offers cashback on recurring bills, a fee waiver on e-wallet top-ups, and access to airport lounges.
What benefits do I get with this card?
You'll get to enjoy:
- 0% markup on overseas spending. Useful if you have subscriptions billed in foreign currency, as well as for travel.
- Top up your favourite e-wallets (Touch 'n Go eWallet, Grab, ShopeePay, etc.) without the 1% charge many other cards apply.
- Free withdrawals at non-AmBank local ATMs, MEPS, and at AmBank's own ATMs.
- Enjoy ongoing merchant discounts, including 10% off international hotels and domestic attractions through Trip.com, and 35% off an iQIYI Standard Yearly VIP subscription with code AMBANKMC.
Any limited-time rewards currently running?
Yes! From 1 July 2026 to 30 June 2027, you'll get 30% cashback when you set up at least three auto-bill payments a month, while maintaining a Monthly Average Balance of RM500; telco, utilities, streaming, or AI subscriptions all qualify. The reward pool is capped at RM20,000 in total monthly payouts for all customers and is awarded on a first-come, first-served basis.
In addition, if you're someone who travels often, enjoy zero overseas ATM withdrawal fees for the duration of the campaign!
On top of that, get two complimentary Plaza Premium Lounge visits at KLIA1, KLIA2, Penang, Johor Bahru, and Langkawi. Each visit covers up to 3 hours, with food, drinks, showers, and WiFi. To qualify, keep RM10,000 in your account across the past month and make at least five Debit Card transactions in that same period. This benefit ends on 7 January 2027, and is capped at 4,000 redemptions in total.
Check out the terms and conditions for more details on the limited-time rewards.
Who can apply for this debit card?
Anyone aged 12 years or older with an AmBank or AmBank Islamic Savings or Current Account, existing or newly opened, is eligible to apply for the AmBank Mastercard Debit Card.
To open an account, you will need a valid IC or a passport for foreigners. You can apply through the AmOnline App or visit the nearest AmBank branch if you'd rather not use your phone.
What are the applicable fees?
Day-to-day spending and local ATM use have no additional fees. Some of the fees that will be applicable to this debit card are:
- RM12 to issue the card, and again if you lose it, damage it, or forget your PIN.
- RM8 a year from your second year onward, unless your linked account is a Basic Savings or Current Account-i.
- RM10 per overseas ATM withdrawal, currently waived under the ongoing rewards campaign through 30 June 2027.
- RM1 if you request a printed monthly statement instead of an e-statement.
Check out AmBank's fees and charges page for more details.
