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Mastercard Debit/Credit Card 

Credit Debit Credit Lady Debit Lady Credit Gold Debit Gold Credit World Debit World

ACLEDA Bank's Mastercard Debit/Credit Card is a secure tool in payment via Internet/POS and cash withdrawal via ATM worldwide.

It is a secure card which designed with the high-end layer of security recognized by the Payment Card Industry Data Security Standard (PCI DSS), and provide security for customers using their banking services.

You can conveniently use ACLEDA Mastercard Card to make withdrawals through any ATM and payments via any POS throughout Cambodia and around the world where the Mastercard's logo is displayed.

ACLEDA Bank's Mastercard is added the most secure technology (Mastercard SecureCode) by requiring to enter One Time Password (OTP) [1] that is sent to your registered mobile phone number via SMS [2] (it also can be used with Soft Token [3] or Hard Token [4]) when making online payments (e-commerce).

ACLEDA Bank's Mastercard has two types:

How to Apply


Special Offers from Mastercard
warningFor credit card, not charge the interest (pay for goods/services) until the 12th day of each month if you pay back to the Bank before this due date. In contrast, interest rate on the balance will be charged from the payment date onwards.

Special Benefits of Mastercard World 


Airport Lounge

  • Free admission to the Airport Lounge at more than a thousand international airports worldwide (two times per year).
  • To find the locations and to enter this Airport Lounge for free, you have to register to use the Mastercard Travel Pass app, which is available on App Store (iOS) or Play Store (Android) or register on website of Mastercard Travel Pass.

Mastercard Travel Pass
Guideline of Mastercard Travel Pass



Currency type is available in US dollar. If you make withdrawal or payment via ACLEDA Mastercard Card in other currency, the system will convert it automatically based on the Mastercard's exchange rates at the time of settlement.

Requirements (for Credit Card) 

  • Be a majority;
  • Have identity card, passport, family book, or any valid documents;
  • Have a permanent address in Cambodia;
  • Have any collateral (land, building, deposit account, or guarantee letter etc.);
  • Have a proper work, salary or any sufficient income and good reputation or good credit payment history and guarantor; if not having any collateral.

Fee & Transaction Limit 

Effective from February 1, 2023

Fee per card (USD) Standard Gold World
Issuing Free Free Free
Annual fee      
Debit card 6 66 250 (i)
Credit card 12 (i) 24 (i) 250 (i)
Cash withdrawal via ACLEDA ATM in Cambodia      
Debit card Free Free (ii) Free (ii)
Credit card 1 2 3
Generate Virtual Card Free Free Free
Top up via ACLEDA ATM Free Free Free
Transfer within ACLEDA Bank via ACLEDA ATM in Cambodia      
Debit card Free Free Free
Credit card N/A N/A N/A
Transfer via ACLEDA ATM to other bank's Mastercard worldwide 4.50 4.50 4.50
Cash withdrawal via ACLEDA ATM in Laos 2 (iii) 2 (iii) 2 (iii)
Cash withdrawal via other bank's ATM in Cambodia 4 4 4
Cash withdrawal via other bank's ATM overseas 4+1% 4+1% 4+1%
Card replacement (damage/lost before expired date) 6 6 6

i. Including SMS alert of card transactions.
ii. Charge 0.1% on surplus amount greater than US$10,000
iii. Charge US$4 for cash withdrawal via ACLEDA ATM in Lao with amount greater than US$6,000 (classic debit card), amound greater than US$10,000 (gold, platinum, or world debit card) and US$1,500 (credit card).

warningFees and Transaction Limit in our website are quoted for indication purpose only and subject to variation. Please contact our nearest branch or our Call Center for our services requirements and more information.


  1. One Time Password (OTP): It is a password used for only one transaction and will be expired within 60 seconds. It does not require to remember. This OTP is required to enter when making online payments with websites that have the sign "Mastercard SecureCode".
  2. SMS Token: OTP is generated and sent to your registered mobile phone number. So please contact the Bank to update your phone number if any change.
  3. Soft Token: It is an application installed on your smart phone when registering and it is used to generate OTP in your phone.
  4. Hard Token: It is a tool used to generate and display OTP.

Do you want QR Code (KHQR) or POS for your business?

Please fill our form here and we will contact you and prepare these payment facilities for you. You can request ACLEDA Bank's QR code (KHQR) or POS terminal for your business.

Apply Now

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