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Key Benefit
Type of Account Required
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AFFIN ISLAMIC Debit MasterCard
Affin Islamic Debit MasterCard
  • Shariah compliant
  • 0.5% cashback on retail spending
Waived with conditions* Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • Annual fee waived for the 1st year, RM20 for the subsequent year
AFFINBANK Debit MasterCard
Affin Bank Debit MasterCard
  • 0.5% cashback on retail spending
Waived with conditions* Apply Now Tell me more +

Other Benefits

  • Built-in Touch 'n Go with auto-reload facility (optional)

The Fine Print

  • *Annual fee is waived for first year, RM20 for the subsequent years.
Alliance Bank My eSaving Debit Card
Alliance Bank My eSaving Debit Card
  • High interest returns on Alliance My eSaving Account
RM8 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Alliance Bank Hybrid Premium Debit Card
Alliance Bank Hybrid Premium Debit Card
  • 2% cashback on overseas spending
RM12 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Alliance Bank Hybrid Standard Debit Card
Alliance Bank Hybrid Standard Debit Card
  • 1% cashback on overseas spending
RM12 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Alliance Bank Hybrid AP Platinum Debit Card
Alliance Bank Hybrid AP Platinum Debit Card
  • 1.5% cashback on overseas spending
RM12 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Alliance Islamic Bank My eSaving Debit MasterCard-i
Alliance Islamic Bank My eSaving Debit-i Card
  • Shariah compliant
  • High interest return on Alliance My eSaving Account-i
RM8 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Alliance Islamic Bank Hybrid Standard Debit MasterCard-i
Alliance Islamic Bank Hybrid Standard-i Debit Card
  • Shariah compliant
  • 1% cashback on retail spending
RM12 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Alliance Islamic Bank Hybrid Platinum Debit MasterCard-i
Alliance Islamic Bank Hybrid Platinum-i Debit Card
  • Shariah compliant
  • 1.5% cashback on retail spending
RM12 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Alliance Islamic Bank Hybrid Premium Debit MasterCard-i
Alliance Islamic Bank Hybrid Premium Debit MasterCard-i
  • Shariah compliant
  • 2% cashback on retail spending
RM12 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Bank Islam Visa Debit Card-i
Bank Islam Visa Debit Card-i
  • Shariah compliant, with facility to perform Tabung Haji transactions
  • 0.5% cashback on retail spending
RM10 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • *Annual fee is waived if you spend more than RM500
Bank Islam Team Harimau Visa Debit Card-i
bank islam team harimau visa debit card-i
  • Shariah compliant
RM12 Apply Now Tell me more +

Other Benefits

  • 20% discount on new arrival of Al-Ikhsan Merchandise

The Fine Print

  • N.A.
Bank Rakyat Debit Card-i
Bank Rakyat Debit Card-i
  • Shariah compliant
RM8 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • *Annual fee is waived for the first year. RM8 from the second year onwards
BSN Batman Visa Debit Card
BSN Batman Visa Debit Card
  • 0.5% on all retail spending including online transactions.
Waived with conditions* Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • Your annual fee of RM8 will be waived subject to a minimum accumulated retail spend of RM3,600 over the last 12-month period.
BSN Visa Debit Card-i
BSN Visa Debit Card-i
  • Shariah compliant
  • 0.5% unlimited cash back
  • BCARD Loyalty Programme
Waived with conditions* Apply Now Tell me more +

Other Benefits

  • Bulit-in Touch'n Go Features
  • PLUSMiles Rewards & Privileges

The Fine Print

  • Minimum spend of RM3,600 p.a.
BSN Visa Debit Card
BSN Visa Debit Card
  • 0.5% unlimited cash back
  • BCARD Loyalty Programme
Waived with conditions* Apply Now Tell me more +

Other Benefits

  • Bulit-in Touch'n Go Features
  • PLUSMiles Rewards & Privileges

The Fine Print

  • Minimum spend of RM3,600 p.a.
BSN Matrix Debit Card
BSN Matrix Debit Card
  • 0.5% cashback on retail spending
RM8 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
BSN Matrix-i Debit Card
 bsn matrix -i debit card
  • Shariah compliant
  • 0.5% cashback on retail spending
RM8 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
CIMB Kwik Card
CIMB Bank Kwik Card
  • Apply for the card online and have it sent to you within 14 days
  • Use this card to purchase items, do online shopping and withdraw cash from ATMs
RM0 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
CIMB Debit MasterCard
CIMB Bank Debit MasterCard
  • 1 Debit Card Bonus Point for every RM2 on retail spending
RM15 Apply Now Tell me more +

Other Benefits

  • 2x bonus points on all retail purchases on your birthday month

The Fine Print

  • N.A.
CIMB Islamic Debit MasterCard
CIMB Islamic Debit MasterCard
  • Shariah compliant
  • 1 Debit Card Bonus Point for every RM2 on retail spending
RM15 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Citi Debit & ATM Card
Citibank Debit and ATM Card
  • 1 Reward Point for every RM1 on retail spending
Waived for life Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Citi Citigold Debit & ATM Card
Citibank Citigold Debit and ATM Card
  • 1 Reward Point for every RM1 on retail spending
Waived for life Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Hong Leong Touch'n Go Zing Debit Card
Hong Leong Touch'n Go Zing Debit Card
  • The Touch'n Go Card with an automatic reload feature.
RM10 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Hong Leong Junior Debit Card
Hong Leong Junior Debit Card
  • Let your child enjoy the convenience and security of receiving pocket money in a card
RM8 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Hong Leong Debit MasterCard
Hong Leong Debit MasterCard
  • 1 Bonus Plus Point for every RM1 on retail spending
RM8 Apply Now Tell me more +

Other Benefits

  • Eligible to apply for a Hong Leong Touch n' Go Zing Debit Card with auto-reload facility, linked to your Debit MasterCard

The Fine Print

  • N.A.
Hong Leong Visa Debit Card
Hong Leong Visa Debit Card
  • 1 Reward Point for every RM1 on retail spending
RM8 Apply Now Tell me more +

Other Benefits

  • 300 Bonus Reward Points for your first auto-debit/standing instruction on insurance or utility bills
  • Eligible to apply for a Hong Leong Touch n' Go Zing Debit Card with auto-reload facility, linked to your Visa Debit Card

The Fine Print

  • N.A.
HSBC Visa Debit Card
HSBC Visa Debit Card
  • Get exclusive deals and special discounts at more than 2,000 food and shopping outlets nationwide
RM0 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
HSBC Amanah Amanah Visa Debit Card-i
Amanah Visa Debit Card-i
  • Get exclusive deals and special discounts at more than 2,000 food and shopping outlets nationwide
RM0 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Mach Debit Card
Hong Leong Mach Debit Card
  • Standard debit card
RM8 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Maybank Aspire MasterCard Platinum Debit Card
Maybank Aspire MasterCard Platinum Debit Card
  • Earn 1 Treats Point for every RM3 spent
Waived for life Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Maybank Visa Platinum Debit payWave
Maybank Visa Platinum Debit payWave
  • Earn 1Treats Points for every RM3 spent in signature base retail transactions, while in the pin base, you earn 1 TreatsPoints for every RM5 spent
Waived for life Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Maybank Superman Visa Debit Card
Maybank Superman Visa Debit Card
  • Earn 1X Treats Points for every RM3 spent and enjoy privileges when you shop
Waived for life Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Maybank MasterCard Platinum Debit
Maybank MasterCard Platinum Debit
  • 1 TreatsPoints for every RM3 (signature-based) or RM5 (pin-based) on retail spending
Waived for life Apply Now Tell me more +

Other Benefits

  • Every month, you get four cash withdrawals at Maybank ATMs for free; thereafter, RM0.50 per withdrawal.

The Fine Print

  • N.A.
Maybank Manchester United Visa Debit
Maybank Manchester United Visa Debit
  • 1 TreatsPoints for every RM2 on retail spending
Waived for life Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Maybank Maybankard Visa Debit
Maybankard Visa Debit
  • 1 TreatsPoints for every RM3 on retail spending
Waived for life Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Public Bank UTAR Debit MasterCard
Public Bank UTAR Debit MasterCard
  • 1 TAR Point for every RM1 on retail spending
Waived for life Apply Now Tell me more +

Other Benefits

  • Facility available to automatically transfer funds from your selected Savings/Current account to your Debit Card Account to avoid shortfall of funds

The Fine Print

  • N.A.
Public Bank TARC Debit MasterCard
Public Bank TARC Debit MasterCard
  • 1 TAR Point for every RM1 on retail spending
Waived for life Apply Now Tell me more +

Other Benefits

  • Facility available to automatically transfer funds from your selected Savings/Current account to your Debit Card Account to avoid shortfall of funds

The Fine Print

  • N.A.
Public Bank Visa Electron
Public Bank Visa Electron
  • 0.5% cashback on retail spending
Waived with conditions* Apply Now Tell me more +

Other Benefits

  • Facility available to automatically transfer funds from your selected Savings/Current account to your Debit Card Account to avoid shortfall of funds

The Fine Print

  • *Annual fee is waived for the first year. Thereafter, waived if you make 1 transaction a month.
Public Bank Day2Day Debit Card
Public Bank Day2Day Debit Card
  • 0.8% cashback on petrol & groceries
  • 0.3% unlimited cashback on all other retail spending
RM8 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
Public Bank PB-Esso Mobil Visa Debit Card
Public Bank PB-Esso Mobil Visa Debit Card
  • 1% cashback on at Esso or Mobil service stations
  • 0.5% cashback on retail spending
Waived for life Apply Now Tell me more +

Other Benefits

  • Facility available to automatically transfer funds from your selected Savings/Current account to your Debit Card Account to avoid shortfall of funds

The Fine Print

  • N.A.
RHB Cash-Connect Debit MasterCard
RHB-Cash-Connect Debit MasterCard
  • 0.5% cashback on retail spending (except e-debit purchases)
RM20 Apply Now Tell me more +

Other Benefits

  • Able to set spending limit up to available balance in the account to avoid overdraft

The Fine Print

  • N.A.
RHB Tesco-RHB Debit Card
RHB Tesco-RHB Debit Card
  • 1 Tesco Clubcard Point for every RM2 on retail spending (except e-debit purchases)
RM20 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.
RHB Platinum Debit Card
RHB Platinum Debit Card
  • 1% cashback on overseas retail spending
  • 0.5% cashback on local retail spending
Waived with conditions* Apply Now Tell me more +

Other Benefits

  • Exclusive overseas discounts and privileges via RHB's GlobePass programme

The Fine Print

  • *Annual fee is waived first year. Thereafter, spend RM5,000 a yaer or sign-up 3 auto-billing services or swipe the card minimum 5 times in a year
RHB Cash Connect Visa Debit Card
RHB Cash-Connect Debit MasterCard/Visa
  • 0.5% cashback on retail spending (except e-debit purchases)
RM20 Apply Now Tell me more +

Other Benefits

  • Able to set spending limit up to available balance in the account to avoid overdraft

The Fine Print

  • N.A.
RHB Islamic Bank My Cash-i Visa Debit Card
RHB Islamic My Cash-i Visa Debit Card
  • 0.5% cashback on retail spending (except e-debit purchases)
RM20 Apply Now Tell me more +

Other Benefits

  • Able to set spending limit up to available balance in the account to avoid overdraft

The Fine Print

  • N.A.
RHB Islamic Bank My Cash-i Debit MasterCard
RHB Islamic My Cash-i Debit MasterCard
  • Earn 0.5% cash rebate on all purchases (except e-debit purchases)
RM20 Apply Now Tell me more +

Other Benefits

  • Able to set spending limit up to available balance in the account to avoid overdraft

The Fine Print

  • N.A.
UOB Debit MasterCard
UOB Debit MasterCard
  • Earn 1% Smart$ Cash Rebate at BHPetrol stations, and up to 10% SMART$ Cash Rebates, which is as good as cash at participating outlets
RM8 Apply Now Tell me more +

Other Benefits

  • N.A.

The Fine Print

  • N.A.

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Frequently Asked Questions

Debit Card Explained

Moving around with physical cash is very risky and this makes it not only inconvenient but difficult to manage the way you spend. That is one of the reasons why debit card as introduced.

What Is A Debit Card?

A debit card is a plastic card which makes it possible to debit or use money directly from your bank account. Like a cheque book, a debit card is usually given along with other banking products (e.g. when you open a new savings or current account).

The advantage of a debit card is that it allows its holder to debit money at any authorised merchant as long as your account is funded. In some ways, a debit card is similar to credit card, but it only works when there are available funds in your account.

Debit cards are sometimes said to be half an ATM card and half a credit card. This is because some debit cards issued by banks allow you to enjoy the exclusive rights and discounts given to credit cardholders.

How Does A Debit Card Work?

When you make a transaction using a debit card, money is deducted immediately from your savings or current account because the card is linked directly to your bank account by electronic means. When the card is swiped at any merchant that accepts debit cards, it subtracts the money from your bank account and automatically deposits it straight into the merchant’s account. The merchant receives the money immediately.This type of transaction is different from when using a credit card, which is using borrowed money from a bank or financial institution.

Some debit cards will require your signature when transaction is in progress just like a credit card does, while other debit cards use a PIN number for verification. This is added for security reasons as only you will know your PIN number.

There are certain factors which you need to be aware of when you select a debit card, such as;

Limitations

Some debit cards are not allowed to be used for all kinds of transactions. For example, you may not make online transactions or purchases with debit cards from certain merchants. A debit card usually has a maximum limit you can bill for, though it is your choice to set the limit you want.

Linked Savings Account

It is a good idea to consider linking your debit card to an account that matches your spending habits. However, not all bank accounts can be linked to a debit card.

Fees And Bills

There might be fees you have to pay when you apply for a debit card. Most people do not usually consider these fees. The fees may include:

Annual Fee:
The bank issuing the debit card may require that you pay an annual fee just as it is done with credit cards. Although, annual fees on debit cards are usually less than that of a credit card.
ATM Withdrawals:
Some banks may offer up to a certain number of free ATM withdrawals, but start charging after that.
Card Replacement fee:
if you lose your card and want a replacement, banks may charge you for this.

Importance And Benefits Of A Debit Card

Debit cardholders do enjoy specific privileges and discounts such as;

Cashback:
the cashback benefits on a debit card are usually less favourable than those offered by credit cards.
Reward Points:
Just like credit cards, some debit cards reward you with points each time you swipe your card.
Discounts:
As a debit card holder, you may also enjoy discounts and privileges offered by banks and participating merchants.

Advantages And Disadvantages Of A Debit Card

When you use a debit card, you will never be in debt with the bank since purchase amounts are deducted directly from your linked savings account. It is relatively easy to apply for a debit card in Malaysia, as all you need is to have a current or savings account that offers such facility.

One disadvantage of using a debit card is that you can only spend the money you have in your linked savings account. Any transaction in excess of your bank balance will either not go through, or result in the bank charging you an overdraft fee.

Common Debit Card Terms

PIN: This stands for “Personal Identification Number”. A PIN is like a password – it is a series of digits used during a transaction to validate that you are the cardholder.

Debit Card Issuer: This refers to a bank or any other financial institution that issues debit cards.

Got questions about debit cards? Ask in the comment box below..





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