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Let your Debit Card take control

Making payment is now fast, convenient and secure

A Debit Card is a convenient payment card that provides you with electronic access to your deposit account(s) that enables you to withdraw cash and pay for your goods or services efficiently.

Convenience
  • Withdraw cash locally and overseas from more than 1 million ATMs that display the MEPS or Cirrus logo.
  • Accepted for payment at over 29 million MasterCard or MyDebit merchants located locally and overseas.
  • Your Debit Card supports two debit card brands - MyDebit is accepted in Malaysia and MasterCard which is accepted both overseas and in Malaysia. By supporting both debit card brands, more retail outlets will accept your Debit Card for payment in Malaysia and overseas.

    When using your Debit Card in Malaysia a retailer may choose* to accept and process the payment using either MyDebit or MasterCard. Please be aware that you are unable to request the retailer to change the chosen Debit Card network.

    *This is in line with Bank Negara Malaysia’s Payment Card Reform Framework’s objective of promoting payment system efficiency by enabling merchants to reduce operational costs in using less costly debit card network to reduce pressure on retailers to increase prices to recover the higher cost of accepting payment cards.

Controlled Spending
  • Stay in control of your finances. We give you the option to decide on your spending limit at Point-of-Sale (POS) and withdrawal limit at ATM:

    Product Daily POS Limit (RM) Daily ATM Limit (RM)
    Default Max Default Max
    eSaving 1,000 Up to 5,000 1,000 Up to 10,000
    Hybrid Standard
    Hybrid AP Platinum
    Hybrid PB Platinum Up to 8,000

    Note:
    1. Cardholders can change their settings for daily POS and ATM limit at any Alliance Bank ATMs.
    2. POS limit includes retail purchases made via MasterCard payment network, up to the daily limit set.
    3. ATM limit includes ATM withdrawal and retail purchases made via MyDebit payment network, up to the daily limit set.

Contactless Transaction
  • A fast, easy, convenient and secure way to pay for everyday transactions with just a tap to the contactless reader when prompted.
  • Accepted globally wherever you see the universal contactless symbol displayed.
  • Debit Card never leaves your hand when making transactions, hence you are in control of the transaction.
  • No PIN is required for any transactions up to RM250 in Malaysia. You can still tap the card for transactions above RM250 but PIN will be required.
Note: The contactless feature can be disabled. To request, please visit any Alliance Bank Branch or Call Contact Centre @ 03-5516 9988.

Complete Security
  • A six (6) digit PIN (Personal Identification Number) is required for all payment (except for auto-debit and online) which provides better protection against fraud due to lost or stolen cards.
  • In the event of fraud, you are liable up to a maximum of RM250 for unauthorised transaction.
  • Call us at 03-5516 9988 to block your Debit Card immediately, if your card is stolen or lost, PIN is compromised or retained by an ATM.

 
Alliance Hybrid Standard Debit Card
ALLIANCE HYBRID STANDARD DEBIT CARD Find Out More Contact Us
  • Get 1.0% Cash Back on overseas spend and enjoy up to RM50 per month.
  • No pin is required for any contactless transaction up to RM250 in Malaysia
  • Customise your daily ATM & POS limit
  • Withdraw cash locally and oversea for more than 1 million ATMs that display the MEPS or Cirrus logo
  • Accepted for payment at over 29 million MasterCard or MyDebit merchants located locally and overseas.
 
 
Alliance Hybrid AP Platinum Debit Card
ALLIANCE HYBRID AP PLATINUM DEBIT CARD Find Out More Contact Us
  • Get 1.5% Cash Back on overseas spend and enjoy up to RM100 per month.
  • No pin is required for any contactless transaction up to RM250 in Malaysia
  • Customise your daily ATM & POS limit
  • Withdraw cash locally and oversea for more than 1 million ATMs that display the MEPS or Cirrus logo
  • Accepted for payment at over 29 million MasterCard or MyDebit merchants located locally and overseas.
 
 
Alliance Hybrid PB Platinum Debit Card
ALLIANCE HYBRID PB PLATINUM DEBIT CARD Find Out More Contact Us
  • Get 2.0% Cash Back on overseas spend and enjoy up to RM200 per month.
  • Enjoy access to Plaza Premium Lounge at KLIA (limited to only 90 pax) and KLIA2 (limited to 70 pax) monthly.
  • No PIN is required for any contactless transaction up to RM250 in Malaysia
  • Customise your daily ATM & POS limit
  • Withdraw cash locally and oversea for more than 1 million ATMs that display the MEPS or Cirrus logo
  • Accepted for payment at over 29 million MasterCard or MyDebit merchants located locally and overseas.
 
 
Alliance My eSaving Debit Card
ALLIANCE MY eSAVING DEBIT CARD Find Out More Contact Us
  • No pin is required for any contactless transaction up to RM250 in Malaysia
  • Customise your daily ATM & POS limit
  • Withdraw cash locally and oversea for more than 1 million ATMs that display the MEPS or Cirrus logo
  • Accepted for payment at over 29 million MasterCard or MyDebit merchants located locally and overseas.
 

Card-Not-Present (CNP) refers to a purchase when you make without physically presenting your Debit Card at the time of purchase @ POS terminal. All new cards issued are by default blocked from making CNP transactions.

To enjoy full payment convenience on your Debit Card, you can enable (opt-in) for the following CNP transactions and overseas transaction.
  • Online transactions
  • Auto Debit / Recurring transactions
  • MOTO
How to opt-in
  1. Via Branch - Submit opt-in request using Service Request Form (SRF) via CRM (TAT 3 days) or
  2. Via Contact Centre - Call 03-5516 9988 (TAT immediately)
Note: You can disable (opt-out) via the same channels.

Your Debit Card can be used CIRRUS symbol on it can be used to withdraw cash at any overseas ATM that displays the CIRRUS logo

How to opt-in
  1. Via any Alliance Bank ATM or
  2. Via Contact Centre - Call 03-5516 9988


What is the MyDebit brand/logo on the card?
The MyDebit brand/logo on the card denotes that your Debit Card supports the domestic payment network ie. MyDebit only applies within Malaysia. Whenever you see the MyDebit brand at retailers in Malaysia, you can make retail purchases using your 6-digit ATM PIN.
What is a MyDebit contactless transaction?
The MyDebit contactless allows customer to make payment by tapping the card on the contactless reader or holding the card close (2 to 3m) to the terminal without having to enter a PIN. The maximum transaction amount for a contactless transaction is RM250. Any transaction above RM250 would require PIN to be entered.

How do I activate my Debit Card’s contactless feature?
You will receive a temporary PIN for your Debit Card. Changing your PIN at the Bank’s ATM will activate your Debit Card including the contactless feature.
How does customer identify a contactless reader?
By the contactless symbol or indicator as shown below.
Could I unknowingly make a transaction if I walk past a contactless reader?
No. Debit Cards must be within 4cm of a contactless reader enabled by the cashier for transactions to work. If the contactless reader is not processing a transaction, it will not read any Debit Card presented in front of it by mistake.
What happens if I accidentally tap my card twice on the contactless reader?
The contactless reader can only process one transaction at a time. Even if the Debit Card is accidentally tapped more than once, you will only get billed once for the transaction. There are also fraud preventions in place to mitigate fraud risk. You must notify the Bank immediately to block your Debit Card if your card is stolen or lost.
What happens if I have more than one Debit Card in my wallet and I tap my wallet on the contactless reader?
If the contactless reader detects more than one card, it won’t complete the transaction. You’ll need to do the transaction again. You should make sure you only hold one card on the reader and always take it out of your wallet.
What if a fraudster reads my card by placing a contactless reader close to my wallet?
Each contactless transaction includes a unique code that changes with each transaction. It is generated by the chip in the original Debit Card, and cannot be guessed from fraudulently intercepted card security details.
Could a fraudster steal my card and use it to empty my bank account?
If contactless transaction is above RM250, the transaction cannot be authorised without the cardholder’s PIN verification.
Can I disable the contactless feature?
Yes, the contactless feature can be disabled. You can request by visiting any Alliance Bank Branch or Call Contact Centre @ 03-5516 9988.

What happens when I use my Debit Card at an automated fuel dispenser?
The automated fuel dispenser (self-service pump) will authorise the fuel transaction before you can pump fuel into your vehicle by sending a pre-authorisation amount on the payment card to your card issuer.
What is a pre-authorisation?
A pre-authorisation is a temporary hold of a specific amount from the Debit Card’s available balance. It is used to verify that the card is active and has sufficient available funds.
What amount will be pre-authorised on my card when used at petrol stations?
The agreed pre-authorisation amount at petrol stations in Malaysia is set at RM200. The actual amount to be debited will be determined after fuel pumping is completed.
What if the amount of fuel pumped is less than the pre-authorised amount?
The pre-authorisation is not a charge and no amount will be debited from your card account, but your available balance is temporarily reduced by the pre-authorisation amount. After pumping fuel, the actual amount is sent to your issuing bank and debited from your card account. The pre-authorisation amount is then cleared within 3 business days after the transaction.
What if my available funds are less than RM200 or if I want to avoid a RM200 hold on my card?
Customers who want to avoid pre-authorisation are advised to go to the cashier where the exact transaction amount would be deducted from the cardholder’s account.

Terms & Conditions

Click here if you cannot view the Terms & Conditions in below section.


Click here for Bahasa Malaysia version.

Safety Tips for Online Purchase

Making Payment for Debit Card

How to use your Debit Card for transactions:
Follow these steps to make convenient, cashless transactions.

STEP 1
LOOK for retailers with the MasterCard/MyDebit/VISA logo.

Note: The retailers will choose to accept and process payment via their chosen Debit Card network.


STEP 2
CHOOSE your payment method:
  • Contactless for transactions up to RM250; or
  • Enter your 6-digit PIN for transactions of any amount.


STEP 3 (Contactless)
  1. Look for the universal contactless symbol when paying.
  2. Ensure the correct transaction amount is displayed on the contactless reader.
  3. Tap your Debit Card against the contactless reader
  4. A receipt will be issued upon successful transaction when the transaction is approved.
    (No signature/PIN required)
or


STEP 3 (PIN)
  1. Present your Debit Card for payment.
  2. The POS terminal will display the transaction amount. Ensure the correct transaction amount is displayed.
  3. Enter your 6-digit PIN when prompted by the POS terminal. Once your PIN is confirmed, a receipt will be issued upon successful transaction. (The same PIN as your ATM PIN)
Note: From 1 July 2017, signatures will no longer be accepted when you use your Debit Card for local transactions. For details on PIN & PAY, refer to www.alliancebank.com.my or get your copy of the PIN & PAY brochure from any of our branches.