How to Activate Bank Muamalat Debit Card

The Bank Muamalat Debit Card offers convenient and secure access to your BMMB Savings/Current Account-i. It allows you to withdraw cash from ATMs both domestically and internationally.

It can be used to make purchases at various merchant locations such as petrol stations, retail stores, grocery stores, restaurants, and even online. Whenever you use the BMMB Debit Card-i, the funds will be deducted from your account instantly.

What are the differences between Bank Muamalat Debit Card and Credit Card?

Bank Muamalat Debit Card and Credit Card have several differences, including:

BMMB Debit Card

  • Linked to the cardholder’s bank account, and the transactions are directly deducted from the account balance.
  • Requires sufficient funds in the account to make purchases or withdrawals.
  • Can be used for cash withdrawals, online and in-store purchases, and ATM transactions.
  • Does not involve borrowing money, as the cardholder can only spend what is available in the account.
  • Can help in managing expenses and avoiding debt, as it limits spending to the available funds.

BMMB Credit Card

  • Allows the cardholder to borrow money up to a certain credit limit set by the bank.
  • The cardholder needs to repay the borrowed amount, either in full or in monthly installments, with interest charged on the outstanding balance.
  • Can be used for online and in-store purchases, cash advances, balance transfers, and payment of bills.
  • Provides a grace period where no interest is charged if the outstanding balance is paid in full by the due date.
  • Offers various rewards, cashback, and benefits like travel insurance, airport lounge access, etc.

The main difference lies in how the transactions are funded and the aspect of borrowing money. Debit cards involve using the funds available in the linked bank account, while credit cards allow the cardholder to borrow money and repay it later.

How to activate Bank Muamalat Debit Card?

To apply and register your Bank Muamalat Debit Card, simply follow these easy steps:

  1. Locate the nearest BMMB bank branch in your vicinity. This can be done by checking their website or contacting their customer service.
  2. Upon visiting the branch, make sure to bring your MyKad for verification purposes. This is important to ensure the security and authenticity of the account opening process.
  3. You can proceed to open a Savings or Current Account-i. The bank’s staff will guide you through the necessary paperwork and documentation needed for the account opening process.
  4. If you are an existing Savings or Current Account-i customer who already possesses a BMMB ATM Card, you have an added advantage.
  5. You can convert and subsequently activate your existing card into a BMMB Debit Card-i. This will allow you to enjoy the benefits and features associated with the debit card facility.
  6. Done

By following these simple steps, you can easily access the range of services provided by BMMB bank and manage your finances efficiently.

What is my Bank Muamalat Debit Card limit?

BMMB offers flexible spending limits for their Debit Card-i Basic/Standard and Debit Card-i Platinum to ensure security control.

For the Debit Card-i Basic/Standard, customers can choose a spend limit of up to RM 20,000. Meanwhile, for the Debit Card-i Platinum, customers have the option to set a spend limit of up to RM 50,000.

This gives customers the freedom to customize their spending limits according to their needs and preferences.

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