Public Bank Kad Visa Electron

Manfaat Utama:
  • *Yuran tahunan dikecualikan pada tahun pertama. Dikecualikan sekiranya anda membuat satu transaksi sebulan.
  • 0.5% rebat tunai atas pembelian runcit
  • Kemudahan untuk memindah wang daripada Akaun Simpanan/Semasa anda kepada Akaun Kad Debit anda untuk mengelakkan daripada kekurangan wang
+ Buka
Yuran Tahunan
RM 24
Waived with conditions

CIMB Kad Debit MasterCard

Manfaat Utama:
  • 1 Mata Kad Debit untuk setiap RM2 pembelian runcit
  • 2x mata ganjaran terhadap semua pembelian pada bulan kelahiran
  • Diskaun dan keistimewaan di kedai-kedai yang mengambil bahagian termasuk Ripcurl, Timberland & MPH Bookstores
+ Buka
Yuran Tahunan
RM 15
None

CIMB Islamic Kad Debit MasterCard

Manfaat Utama:
  • 1 Mata Kad Debit untuk setiap RM2 pembelian runcit
  • Berdasarkan Shariah
  • Diskaun dan keistimewaan di kedai-kedai yang mengambil bahagian termasuk Ripcurl, Timberland & MPH Bookstores
+ Buka
Yuran Tahunan
RM 15
None

Alliance Bank Kad Debit Hybrid Standard

Manfaat Utama:
  • 1% rebat tunai atas perbelanjaan di luar negara
  • Rebat tunai maksimum adalah RM50 sebulan
+ Buka
Yuran Tahunan
RM 12
None

Alliance Bank Kad Debit Hybrid AP Platinum

Manfaat Utama:
  • 1.5% rebat tunai atas perbelanjaan di luar negara
  • Rebat tunai maksimum adalah RM100 sebulan
+ Buka
Yuran Tahunan
RM 12
None

Alliance Islamic Bank Kad Hybrid Platinum Debit MasterCard-i

Manfaat Utama:
  • 1.5% rebat tunai atas pembelian runcit
  • Rebat tunai 1.5% untuk perbelanjaan sehingga RM6000 sebulan
  • Berdasarkan Shariah
+ Buka
Yuran Tahunan
RM 12
None

Alliance Islamic Bank Kad Hybrid Standard Debit MasterCard-i

Manfaat Utama:
  • 1% rebat tunai atas pembelian runcit
  • Rebat tunai maksimum adalah RM30 sebulan
  • Berdasarkan Shariah
+ Buka
Yuran Tahunan
RM 12
None

Bank Islam Visa Debit Card-i Team Harimau

Manfaat Utama:
  • Berdasarkan Shariah
  • Diskaun 20% ke atas produk Al-Ikhsan yang baru
+ Buka
Yuran Tahunan
RM 12
None

Alliance Bank Kad Debit Hybrid Premium

Manfaat Utama:
  • 2% rebat tunai atas perbelanjaan di luar negara
  • Rebat tunai maksimum adalah RM200 sebulan
+ Buka
Yuran Tahunan
RM 12
None

Hong Leong Kad Debit Touch&&Go Zing

Manfaat Utama:
  • Boleh berfungsi sebagai kad Touch 'N Go dengan kemudahan tambah nilai automatik
+ Buka
Yuran Tahunan
RM 10
None

BSN Kad Visa Debit

Manfaat Utama:
  • Perbelanjaan minimum sebanyak RM3,600 setahun
  • 0.5% rebat tunai tanpa had
  • Program Kesetiaan BCARD
  • Touch'n Go penggunaan terbina dalam kad debit
  • Ganjaran dan keistimewaan PLUSMiles
+ Buka
Yuran Tahunan
RM 8
Waived with conditions

Alliance Bank Kad Debit My eSaving

Manfaat Utama:
  • Kadar faedah simpanan yang tinggi untuk Akaun Alliance My eSaving
+ Buka
Yuran Tahunan
RM 8
None

Hong Leong Kad Debit Junior

Manfaat Utama:
  • Membenarkan anak anda menikmati kemudahan dan keselamatan membelanjakan wang saku dengan kad debit
+ Buka
Yuran Tahunan
RM 8
None

Public Bank Kad Debit Day2Day

Manfaat Utama:
  • 0.8% rebat tunai atas petrol & barangan runcit
  • 0.5% rebat tunai atas semua pembelian runcit lain
  • Rebat tunai maksimum untuk petrol & barangan runcit adalah RM30 sebulan
+ Buka
Yuran Tahunan
RM 8
None

BSN Kad-i Visa Debit

Manfaat Utama:
  • Perbelanjaan minimum sebanyak RM3,600 setahun
  • 0.5% rebat tunai tanpa had
  • Program Kesetiaan BCARD
  • Berdasarkan Shariah
  • Touch'n Go penggunaan terbina dalam kad debit
  • Ganjaran dan keistimewaan PLUSMiles
+ Buka
Yuran Tahunan
RM 8
Waived with conditions

Hong Leong Kad Debit MasterCard

Manfaat Utama:
  • 1 Mata Bonus Plus untuk setiap RM1 pembelian runcit
  • Kelayakan untuk memohon Kad Debit Hong Leong Touch n' Go Zing dengan kemudahan tambah nilai automatik, dikaitkan kepada Kad Debit Visa anda
+ Buka
Yuran Tahunan
RM 8
None

BSN Kad Debit Matrix-i

Manfaat Utama:
  • 0.5% rebat tunai atas pembelian runcit
  • Berdasarkan Shariah
+ Buka
Yuran Tahunan
RM 8
None

BSN Kad Debit Matrix

Manfaat Utama:
  • 0.5% rebat tunai atas pembelian runcit
+ Buka
Yuran Tahunan
RM 8
None

Bank Rakyat Kad Debit-i

Manfaat Utama:
  • *Yuran tahunan dikecualikan pada tahun pertama. Yuran dikenakan RM8 setiap tahun berikutnya.
  • Berdasarkan Shariah
+ Buka
Yuran Tahunan
RM 8
None

Alliance Islamic Bank Kad My eSaving Debit MasterCard-i

Manfaat Utama:
  • Berdasarkan Shariah
  • Kadar faedah pulangan yang tinggi untuk Akaun Alliance My eSaving-i
+ Buka
Yuran Tahunan
RM 8
None

UOB Kad Debit MasterCard

Manfaat Utama:
  • Dapat 1%-10% Smart$ Cash di stesen BHPetrol. Ia sebaik wang tunai di kedai-kedai yang menerimanya
+ Buka
Yuran Tahunan
RM 8
None

Maybank Kad Debit MasterCard Platinum

Manfaat Utama:
  • 1 TreatsPoints untuk setiap pembelian runcit RM3 (dengan tandatangan) atau RM5 (dengan nombor pin) pembelian runcit
  • Setiap bulan, anda akan mendapat empat pengeluaran tunai percuma daripada ATM Maybank. Selepas itu, setiap pengeluaran tunai akan dicaj RM0.50.
  • Menikmati Keistimewaan Maybank dan MasterCard Platinum yang terpilih
+ Buka
Yuran Tahunan
RM 0
Waived for life

Maybank Kad Debit Aspire MasterCard Platinum

Manfaat Utama:
  • 1 TreatsPoints untuk setiap RM3 pembelian runcit
+ Buka
Yuran Tahunan
RM 0
Waived for life

HSBC Kad Debit Visa

Manfaat Utama:
  • Tawaran eksklusif dan diskaun di lebih daripada 2,000 restoran dan membeli-belah di seluruh negara
+ Buka
Yuran Tahunan
RM 0
None

HSBC Amanah Amanah Visa Debit Card-i

Manfaat Utama:
  • Tawaran eksklusif dan diskaun di lebih daripada 2,000 restoran dan membeli-belah di seluruh negara
+ Buka
Yuran Tahunan
RM 0
None

Maybank Kad Maybankard Visa Debit

Manfaat Utama:
  • 1 TreatsPoints untuk setiap RM3 pembelian runcit
  • Setiap bulan, anda mendapat empat pengeluaran tunai di ATM Maybank secara percuma; selepas itu, RM0.50 bagi setiap pengeluaran.
+ Buka
Yuran Tahunan
RM 0
Waived for life

Maybank Kad Debit Superman Visa

Manfaat Utama:
  • 1 TreatsPoints untuk setiap RM3 pembelian runcit
+ Buka
Yuran Tahunan
RM 0
Waived for life

Maybank Kad Debit Manchester United Visa

Manfaat Utama:
  • 1 TreatsPoints untuk setiap RM2 pembelian runcit
  • Setiap bulan, anda akan mendapat empat pengeluaran tunai percuma daripada ATM Maybank. Selepas itu, setiap pengeluaran tunai akan dicaj RM0.50.
+ Buka
Yuran Tahunan
RM 0
Waived for life

Public Bank Kad Debit TARC MasterCard

Manfaat Utama:
  • 1 Mata TAR untuk setiap RM1 pembelian runcit
  • Kemudahan untuk memindah wang daripada Akaun Simpanan/Semasa anda kepada Akaun Kad Debit anda untuk mengelakkan daripada kekurangan wang
+ Buka
Yuran Tahunan
RM 0
Waived for life

Citibank Kad Debit & ATM Citigold

Manfaat Utama:
  • 1 Mata untuk setiap RM1 pembelian runcit
  • Pelan Perlindungan Pembelian Runcit sehingga RM10,000
  • Manfaat Kemalangan dan Kesulitan Perjalanan sebanyak RM500,000
  • Keistimewaan Citibank World, dengan diskaun dan keistimewaan di lebih daripada 25,000 pertubuhan di seluruh dunia
+ Buka
Yuran Tahunan
RM 0
Waived for life

Public Bank Kad Debit UTAR MasterCard

Manfaat Utama:
  • 1 Mata TAR untuk setiap RM1 pembelian runcit
  • Kemudahan untuk memindah wang daripada Akaun Simpanan/Semasa anda kepada Akaun Kad Debit anda untuk mengelakkan daripada kekurangan wang
+ Buka
Yuran Tahunan
RM 0
Waived for life

Citibank Kad Debit & ATM

Manfaat Utama:
  • 1 Mata untuk setiap RM1 pembelian runcit
  • Pelan Perlindungan Pembelian Runcit sehingga RM5,000
  • Manfaat Kemalangan dan Kesulitan Perjalanan sebanyak RM350,000
  • Keistimewaan Citibank World, dengan diskaun dan keistimewaan di lebih daripada 25,000 pertubuhan di seluruh dunia
+ Buka
Yuran Tahunan
RM 0
Waived for life

Maybank Kad Visa Platinum Debit payWave

Manfaat Utama:
  • 1 TreatsPoints untuk setiap RM3 pembelian runcit
  • Tetapkan Had Beli anda sendiri sehingga RM10000 maksimum
+ Buka
Yuran Tahunan
RM 0
Waived for life

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.

  • 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.