EnrichMoney

What’s unique about the EnrichMoney Card?

It is packed with features designed for your lifestyle, suitable for avid travellers, online shoppers, or anyone looking to manage their finances seamlessly. With this card, you can:

Travel the world with ease

Multi-currency power: You can buy, sell, and hold up to 20 different foreign currencies in one wallet.
Global acceptance: Use your card anywhere VISA is accepted, with over 46 million merchant locations worldwide. You can do so by enabling the Overseas Card Usage setting in the app for international purchases.
Worldwide cash access: Withdraw cash from over 2.5 million VISA Plus ATMs globally.

Master your money

Track your spending: You can keep a close eye on your expenses and manage your money effectively.
Build your savings: Use the app's features to create and grow your savings funds.
Send money overseas: Easily send money to family and friends abroad.

Earn rewards

Earn points: Use your card for qualifying purchases and earn EnrichMoney Points.
Pay with Points: Spend your EnrichMoney Points for easy, instant payments.
Instant cashback: Exchange your points for instant cash during special campaigns.
More than just payments: Access travel insurance, reload prepaid mobile credit, and even connect with a doctor or an e-Pharmacy.

What currencies are available?

Your EnrichMoney wallet allows you to hold and transact in 20 currencies, such as:

US Dollar (USD)
Singapore Dollar (SGD)
British Pound (GBP)
Australian Dollar (AUD)
Indonesian Rupiah (IDR)
Euro (EUR)
Thai Baht (THB)
Japanese Yen (YEN)
Saudi Riyal (SAR)
Chinese Renminbi (CNY)
New Taiwan Dollar (TWD)
Hong Kong Dollar (HKD)
South Korean Won (KRW)
Indian Rupee (INR)
Philippines Peso (PHP)
Canadian Dollar (CAD)
New Zealand Dollar (NZD)
United Arab Emirates Dirham (AED)
Swiss Franc (CHF)
Vietnamese Dong (VND)

What are the fees or charges?

Here are some fees that you should know before applying for the EnrichMoney Card.

Account Service Fee: Free
Annual Fee: RM10
Card Issuance Fee: RM10
Top-Up Fees:

Merchantrade Branches, Participating Agents, via FPX, and JomPAY: Free
Maybank CDM, M2U and CIMB Clicks: RM0.50

Domestic Cash Withdrawal:

Merchantrade Branches/Agents: RM1 for the first two withdrawals per month, RM1.50 thereafter
ATMs: RM1.50 for the first two withdrawals per month, RM2 thereafter

Overseas Cash Withdrawal: RM10 per transaction via VISA Plus ATMs

How can I sign up for EnrichMoney?

Signing up for your EnrichMoney card takes only 5-10 minutes. Below are the steps.

Step 1: Check your eligibility

To apply, you must meet the following requirements:

Be at least 12 years old
Have a Malaysian-registered mobile number and a valid email address
Provide a valid NRIC (for Malaysians) or Passport (for non-Malaysians)
Have a valid residential and mailing address in Malaysia
Have a local bank account in your name

Step 2: Sign up via the app

Download the EnrichMoney app from the Google Play or App Store and click ‘Sign Up’ to begin.

A minimum initial top-up of RM50 is required, which covers your card issuance fee (RM10), annual fee (RM10), a refundable deposit (RM20), and leaves you with RM10 to spend.

For existing Enrich members: You will need to log in to the Enrich portal to authenticate your membership.
For non-Enrich members: You will be automatically enrolled as an Enrich member when you sign up for the card.

Step 3: Receive and activate your card

Your new card will be delivered to your mailing address within 5-7 working days. Once you receive it, simply log in to the app, go to Settings > Card Settings, and select New Card Activation to activate it by entering the required details and setting your 6-digit PIN.

Common Questions About EnrichMoney

Get quick answers to your questions and learn how to make the most of your EnrichMoney account.

What is the wallet size, and can I upgrade it?

The standard wallet size is RM10,000. You can apply for an upgrade to a maximum of RM20,000 if you have an existing RM10,000 wallet and maintain an average e-wallet balance of RM500.

To upgrade, go to Settings > Card Settings in the app and click Upgrade Wallet.

How do I top up my wallet?

You can top up your wallet instantly through Merchantrade branches, participating agents, FPX, JomPAY, and Debit Card. Top-ups via M2U, CIMB Clicks, and Maybank Cash Deposit Machines will be credited within 48 to 72 hours.

What should I do if my card is lost or stolen?

You must immediately block your card. You can do this instantly within the app by going to Settings > Card Settings > Block Card or by calling the Merchantrade Customer Service Helpdesk at +603 8313 8606.

To request a replacement, you can email, use the in-app live chat, visit a branch, or call the helpdesk. A replacement fee of RM10 applies.