Compare and Find the Best Debit Card in Malaysia

Debit Card
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We found 33 debit card(s) for you!

CIMB Islamic Debit MasterCard

Key Benefit :

  • 1 Debit Card Bonus Point for every RM2 on retail spending
  • Shariah compliant
  • Discounts and privileges at participating merchants, including Ripcurl, Timberland & MPH Bookstores
Annual Fees
RM 15

None

    CIMB Debit MasterCard

    Key Benefit :

    • 1 Debit Card Bonus Point for every RM2 on retail spending
    • 2x bonus points on all retail purchases on your birthday month
    • Discounts and privileges at participating merchants, including Ripcurl, Timberland & MPH Bookstores
    Annual Fees
    RM 15

    None

      Alliance Bank Hybrid Standard Debit Card

      Key Benefit :

      • 1% cashback on overseas spending
      • Maximum cashback is RM50 a month
      Annual Fees
      RM 12

      None

        Alliance Bank Hybrid Premium Debit Card

        Key Benefit :

        • 2% cashback on overseas spending
        • Maximum cashback is RM200 a month
        Annual Fees
        RM 12

        None

          Alliance Bank Hybrid AP Platinum Debit Card

          Key Benefit :

          • 1.5% cashback on overseas spending
          • Maximum cashback is RM100 a month
          Annual Fees
          RM 12

          None

            Bank Islam Team Harimau Visa Debit Card-i

            Key Benefit :

            • Shariah compliant
            • 20% discount on new arrival of Al-Ikhsan Merchandise
            Annual Fees
            RM 12

            None

              Alliance Islamic Bank Hybrid Standard Debit MasterCard-i

              Key Benefit :

              • 1% cashback on retail spending
              • Maximum cashback is RM30 a month
              • Shariah compliant
              Annual Fees
              RM 12

              None

                Alliance Islamic Bank Hybrid Platinum Debit MasterCard-i

                Key Benefit :

                • 1.5% cashback on retail spending
                • Get 1.5% cash back on spending up to RM 6000 each month
                • Shariah compliant
                Annual Fees
                RM 12

                None

                  AFFIN Islamic Bank Visa Debit Card

                  Key Benefit :

                  • Earn 1 AFFIN Rewards Point for every RM1 spent
                  Annual Fees
                  RM 12

                  Waived with conditions

                    Hong Leong Touch 'n Go Zing Debit Card

                    Key Benefit :

                    • The Touch'n Go Card with an automatic reload feature
                    Annual Fees
                    RM 10

                    None

                      UOB Debit MasterCard

                      Key Benefit :

                      • Earn 1% Smart$ Cash Rebate at BHPetrol stations, and up to 10% SMART$ Cash Rebates, which is as good as cash at participating outlets
                      Annual Fees
                      RM 8

                      None

                        Hong Leong Junior Debit Card

                        Key Benefit :

                        • Let your child enjoy the convenience and security of receiving pocket money in a card
                        Annual Fees
                        RM 8

                        None

                          Hong Leong Debit MasterCard

                          Key Benefit :

                          • 1 Bonus Plus Point for every RM1 on retail spending
                          • Eligible to apply for a Hong Leong Touch n' Go Zing Debit Card with auto-reload facility, linked to your Debit MasterCard
                          Annual Fees
                          RM 8

                          None

                            BSN Visa Debit Card-i

                            Key Benefit :

                            • Minimum spend of RM3,600 p.a.
                            • 0.5% unlimited cash back
                            • BCARD Loyalty Programme
                            • Shariah compliant
                            • Bulit-in Touch'n Go Features
                            • PLUSMiles Rewards & Privileges
                            Annual Fees
                            RM 8

                            Waived with conditions

                              BSN Visa Debit Card

                              Key Benefit :

                              • Minimum spend of RM3,600 p.a.
                              • 0.5% unlimited cash back
                              • BCARD Loyalty Programme
                              • Bulit-in Touch'n Go Features
                              • PLUSMiles Rewards & Privileges
                              Annual Fees
                              RM 8

                              Waived with conditions

                                BSN Matrix-i Debit Card

                                Key Benefit :

                                • 0.5% cashback on retail spending
                                • Shariah compliant
                                Annual Fees
                                RM 8

                                None

                                  BSN Matrix Debit Card

                                  Key Benefit :

                                  • 0.5% cashback on retail spending
                                  Annual Fees
                                  RM 8

                                  None

                                    Bank Rakyat Debit Card-i

                                    Key Benefit :

                                    • *Annual fee is waived for the first year. RM8 from the second year onwards
                                    • Shariah compliant
                                    Annual Fees
                                    RM 8

                                    None

                                      Alliance Islamic Bank My eSaving Debit MasterCard-i

                                      Key Benefit :

                                      • Shariah compliant
                                      • High interest return on Alliance My eSaving Account-i
                                      Annual Fees
                                      RM 8

                                      None

                                        Alliance Bank My eSaving Debit Card

                                        Key Benefit :

                                        • High interest returns on Alliance My eSaving Account
                                        Annual Fees
                                        RM 8

                                        None

                                          Public Bank UTAR Debit MasterCard

                                          Key Benefit :

                                          • 1 TAR Point for every RM1 on retail spending
                                          • Facility available to automatically transfer funds from your selected Savings/Current account to your Debit Card Account to avoid shortfall of funds
                                          Annual Fees
                                          RM 0

                                          Waived for life

                                            Public Bank TARC Debit MasterCard

                                            Key Benefit :

                                            • 1 TAR Point for every RM1 on retail spending
                                            • Facility available to automatically transfer funds from your selected Savings/Current account to your Debit Card Account to avoid shortfall of funds
                                            Annual Fees
                                            RM 0

                                            Waived for life

                                              Maybank Visa Platinum Debit payWave

                                              Key Benefit :

                                              • 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
                                              • Set your own Purchase Limit up to maximum RM10,000 or default to RM2,000
                                              Annual Fees
                                              RM 0

                                              Waived for life

                                                Maybank Maybankard Visa Debit

                                                Key Benefit :

                                                • 1 TreatsPoints for every RM3 on retail spending
                                                • Every month, you get four cash withdrawals at Maybank ATMs for free; thereafter, RM0.50 per withdrawal
                                                Annual Fees
                                                RM 0

                                                Waived for life

                                                  Maybank MasterCard Platinum Debit

                                                  Key Benefit :

                                                  • 1 TreatsPoints for every RM3 (signature-based) or RM5 (pin-based) on retail spending
                                                  • Every month, you get four cash withdrawals at Maybank ATMs for free; thereafter, RM0.50 per withdrawal
                                                  • Enjoy selected Maybank and MasterCard Platinum Privileges
                                                  Annual Fees
                                                  RM 0

                                                  Waived for life

                                                    Maybank Aspire MasterCard Platinum Debit Card

                                                    Key Benefit :

                                                    • Earn 1 Treats Point for every RM3 spent
                                                    Annual Fees
                                                    RM 0

                                                    Waived for life

                                                      Maybank Manchester United Visa Debit

                                                      Key Benefit :

                                                      • 1 TreatsPoints for every RM2 on retail spending
                                                      • Every month, you get four cash withdrawals at Maybank ATMs for free; thereafter, RM0.50 per withdrawal
                                                      Annual Fees
                                                      RM 0

                                                      Waived for life

                                                        HSBC Visa Debit Card

                                                        Key Benefit :

                                                        • Get exclusive deals and special discounts at more than 2,000 food and shopping outlets nationwide
                                                        Annual Fees
                                                        RM 0

                                                        None

                                                          HSBC Amanah Visa Debit Card-i

                                                          Key Benefit :

                                                          • Get exclusive deals and special discounts at more than 2,000 food and shopping outlets nationwide
                                                          Annual Fees
                                                          RM 0

                                                          None

                                                            Citibank Citigold Debit & ATM Card

                                                            Key Benefit :

                                                            • 1 Reward Point for every RM1 on retail spending
                                                            • Retail Purchase Protection Plan up to RM10,000
                                                            • Travel Accident & Inconvenience Benefits up to RM500,000
                                                            • Citibank World Privileges, with discounts and privileges at over 25,000 establishments worldwide
                                                            Annual Fees
                                                            RM 0

                                                            Waived for life

                                                              Citibank Debit & ATM Card

                                                              Key Benefit :

                                                              • 1 Reward Point for every RM1 on retail spending
                                                              • Retail Purchase Protection Plan up to RM5,000
                                                              • Travel Accident & Inconvenience Benefits up to RM350,000
                                                              • Citibank World Privileges, with discounts and privileges at over 25,000 establishments worldwide
                                                              Annual Fees
                                                              RM 0

                                                              Waived for life

                                                                Maybank FC Barcelona Visa Debit

                                                                Key Benefit :

                                                                • Set your own Purchase Limit up to maximum RM10,000 or default to RM2,000
                                                                Annual Fees
                                                                RM 0

                                                                Waived for life

                                                                  Maybank Visa Debit Picture Card

                                                                  Key Benefit :

                                                                  • Every month, you get fifth cash withdrawals at Maybank ATMs for free; thereafter, RM0.50 per withdrawal
                                                                  Annual Fees
                                                                  RM 0

                                                                  Waived for life

                                                                    Last updated: Sep 15, 2023

                                                                    FAQs 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.

                                                                    • 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.

                                                                    • 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.

                                                                      • Replacement fee:

                                                                        If you lose your card and want a replacement, banks may charge you for this.

                                                                    • 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.

                                                                    • 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.

                                                                      • 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.

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