Registration Fees
| Card Issuance Fee - Non-Personalised Card | RM10 |
| Card Issuance Fee - Personalised Card (with name only) | RM10 |
| Annual Fee | RM10 p.a. |
| Account Service Fee | FREE |
| Refundable Deposit (if applicable to selected co-brand requirements) | RM20 (Will be refunded upon account closure) |
* Some ATMs based outside of Malaysia may impose an additional fee for cash withdrawals. If applicable, a notification message will be displayed on ATM screen upon withdrawal.
Please see Product Disclosure Sheet for more info.
| Minimum | Maximum | |
| Initial top-up* at Merchantrade branches | RM100 | Up to wallet size** |
| Subsequent top-ups at Merchantrade branches | RM1 | Up to wallet size** |
| Cash withdrawal: 1. Merchantrade branches 2. Participating Agents 3. Local ATM Cash Withdrawal (Visa Plus ATM) |
RM10 per withdrawal | Up to RM5,000 or max. 5 transactions per day (across all three channels) |
| Overseas ATM Cash Withdrawal (VISA Plus ATM) | Subject to ATM's min. limit | Up to RM5,000 or max. 5 transactions per day |
| Top-up through CIMB Clicks and M2U | Subject to the bank's min. limit | Up to wallet size** |
| JomPAY Top-up | RM1 | Up to wallet size** |
| FPX Top-up | RM50 (effective 26 June 2024) | Up to wallet size** |
| Debit Card Top-up | RM50 (effective 26 June 2024) | Up to wallet size** (max. RM5,000 per transaction) |
| e-pay Top-up (Voucher) | RM10 | RM1,500 daily or RM10,000 monthly or up to wallet size** (max. 10 transactions per month) |
| Card-to-Card Transfer | RM1 | Up to wallet size** |
| Point-of-sale Transactions | No minimum | Up to wallet size** |
| e-Commerce Transactions | No minimum | Up to wallet size** |
| Visa payWave Limit | No minimum | RM250 per transaction or an accumulative of RM250 per day |
| DuitNow Transfer | RM0.10 | RM1,500 daily |
| DuitNow QR | RM0.10 | RM1,000 daily |
**For all wallet sizes
* Minimum Card Account balance of RM20.00 must be maintained at all times.
Please see Product Disclosure Sheet for more info.
Get your Merchantrade Money card
Online
application
Walk-in
application
- Visit the nearest Merchantrade Branch or an official Merchantrade appointed agent
- Bring along identification documents
(Malaysian NRIC, passport, work permit etc) - Top-up a minimum of RM100 into your card and start enjoying the cashless experience!
