Products & ServicesCards Mastercard Lady Debit/Credit Card

Mastercard Lady Debit/Credit Card

Debit Card

Credit Card

ACLEDA Bank's Mastercard Lady 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 this Lady 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.

Mastercard Lady has two types:

Credit Card: For cash withdrawals or pay for goods/services up to the existing credit line or up to the credit limit set by ACLEDA Bank.
Debit Card: All operations via this card are debited from owner's account at ACLEDA Bank.

How to Apply

Please simply go to ACLEDA Bank's branch near you and bring the requirement documents (for credit card)
Complete the form provided by the bank staff or can be downloaded from here
Or you can apply via ACLEDA mobile or this application form

Benefits

Special Offers from Mastercard

Making payments via POS terminals at any supermarkets, hotels, companies etc. in Cambodia or abroad where the Mastercard logo is displayed.
Pay for goods or services conveniently and the interest is not charged (for credit card) if you pay back to the Bank by the due date.
Making withdrawals quickly via all ATMs where the Mastercard logo is displayed throughout Cambodia and around the world anytime.
Conveniently pay for goods or services, booking air tickets or hotels rooms etc., over the internet.
Transfer up to US$2,500 per day via ATM or ACLEDA mobile (Mastercard MoneySend) to other banks' Mastercard cards worldwide.
Safety and convenience by not having to carry money.
Possibility of operating transactions anywhere worldwide with valuable consumer protections under the law.
Efficiency time and safety for cash management and settlements.

For 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.

Features

Letter printed on the card is embossed letter.
Having a 16 digits card number.
Having logos of ACLEDA Bank and Mastercard.
Having a consumer name in English.
Having a valid date.
Load with latest technology based on the EMV Chip in the front and magnetic stripe on its back to provide stronger security and any faking protection.
This Lady Card 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).

Currency

Currency type is available in US dollar. If you make withdrawal or payment via this Lady 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)

INDIVIDUAL
CORPORATE

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

FEE
TRANSACTION LIMIT

Effective from August 15, 2024

Fee per card (USD)	Classic Card
Issuing	Free
Annual fee
Debit card	6
Credit card	12⁽ⁱ⁾
Cash withdrawal via ACLEDA ATM in Cambodia
Debit card	Free
Credit card	1
Top up via ACLEDA ATM	Free
Transfer within ACLEDA Bank via ACLEDA ATM in Cambodia
Debit card	Free
Credit card	N/A
Transfer money to other bank's Mastercard worldwide	4.50
Cash withdrawal via ACLEDA ATM in Laos	2⁽ⁱⁱ⁾
Cash withdrawal via other bank's ATM/POS in Cambodia	4
Cash withdrawal via other bank's ATM/POS overseas	4+1%
Card replacement (damage/lost before expired date)	6
Refund overseas transaction	2.60%

i. Including SMS alert of card transactions.
ii. Charge US$4 for cash withdrawal via ACLEDA ATM in Lao with amount greater than US$6,000 (debit card) and US$1,500 (credit card).
For transactions on other bank's ATM/POS, according to other bank's policy.

Limitation per day	Classic Card
Transactions via ATM, POS, and e-commerce	25
Cash withdrawal from ACLEDA ATM in Cambodia
Debit card	USD10,000
Credit card	USD1,500
Cash withdrawal from ACLEDA ATM in Laos^(I)
Debit card	USD10,000
Credit card	USD1,500
Cash withdrawal from other bank's ATM in Cambodia or overseas^(II)
Debit card	USD10,000
Credit card	USD1,500
Top up via ACLEDA ATM	Unlimited
Transfer within ACLEDA Bank via ACLEDA ATM in Cambodia
Debit card	USD2,500 or equivalent
Credit card	N/A
Transfer money to other bank's Mastercard in Cambodia or overseas	USD2,500
Payment via ACLEDA POS or Other bank's POS in Cambodia or overseas
Debit card	USD10,000
Credit card	USD4,000
Payment via e-commerce
Debit card	USD10,000
Credit card	USD4,000

Fees 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.

Note:

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".
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.
Soft Token: It is an application installed on your smart phone when registering and it is used to generate OTP in your phone.
Hard Token: It is a tool used to generate and display OTP.