The ICT VISA prepaid card is an alternate cashless payment instrument introduced by ICT Commerce Sdn Bhd [1225658-H] to local Malaysians and Foreign Expatriates residing in Peninsular Malaysia, Sabah and Sarawak. The ICT VISA prepaid card allows you to purchase goods and services at existing 54 million merchant locations worldwide. Besides VISA’s ongoing merchant recruitment initiatives, 200 local participating merchants have been carefully selected for ICT VISA prepaid cardholders to enjoy discounts and savings while spending at these merchant outlets. The estimated value in savings from these 200 ICT participating merchants is now up to RM 16,000! The ICT VISA prepaid card programinitiatives focuses on ongoing education on how to be a smart consumer and to provide financial literacy to local consumers in their daily spending habits.

A Card Account is a virtual account created after the Card is activated. All preloaded funds will be kept in this account. Please ensure that this Card Account is preloaded with sufficient funds before any transaction is made.

Yes, you may use the Card to make purchases at all VISA accepting merchants, online purchases and cash withdrawals. However, you can only spend the amount you have preloaded into the Card Account.

The main difference is that this Card utilises the money that is preloaded into the Card Account. Where else a credit card provides a Line Of Credit to be utilised upfront and payment is settled subsequently. A debit card is virtually linked to your bank account where funds are directly deducted from.

This prepaid card is similar to a prepaid mobile account; you are required to have credit in your phone account before any calls can be made. In this same manner, the Card can only be used when there is sufficient credit.

• You won’t go into debt; spend within your means;
• Convenience in making payments for goods or services worldwide at over 24 million merchant outlets that carry the VISA logo;
• Cash withdrawal from VISA and/or PLUS enabled network ATMs; and
• As a VISA cardholder, you will enjoy discounts at various VISA accepting merchants worldwide. For more information, visit www.visa.com.
• The estimated value in savings from 200 ICT participating merchants is now up to RM 16,000.

No. The Government Service Tax is not applicable for a prepaid card.

Yes. You can BUT you must explicitly provide your consent by calling us at +6 03 8318 3100 (9am-6pm (GMT+8) on weekdays excluding public holidays) or email us at support@ictcommerce.net.

Once we received your consent, you can use the Card for purchases at any VISA accepting merchants and you may withdraw cash at any VISA and/or PLUS enabled ATMs worldwide. This is subject to the availability of funds in your Card Account. *Fees and charges will be imposed accordingly.

To avoid any inconvenience, please ensure that you have sufficient funds in your Card Account before usage. For security reasons, it is advisable that you notify us on your travelling plans in advance by calling the Co Issuer Call Centre at +6 03 8318 3100 (9am-6pm (GMT+8) on weekdays excluding public holidays).

Please call us immediately at +6 03 8318 3100 (9am-6pm (GMT+8) on weekdays excluding public holidays). After hours, the Interactive Voice Response (IVR) will guide you accordingly. We will block the Card at once and arrange for a replacement card to be issued to you within fourteen (14) business days. A replacement card fee of RM 10.00 applies.

The Welcome Pack will be delivered to the registered Malaysian address within fourteen (14) business days upon approval, submission of supporting identification documents (if any) and joining fee payment.

Yes, there are. There some types of transaction whereby the merchant will ‘hold’ your funds for a short period of time, like a refundable deposit. Therefore, the withheld amount will not be available until the merchant releases it. Please be mindful of the following types of transactions and also ensure you have sufficient funds in your Card Account:

Petrol Stations – When you pay at the pump, the merchant will ‘embargo’ RM200 in your Card Account, even though you didn’t pump petrol of that value. The unutilised funds will be released within 24 hours back into your Card Account. To avoid this, best to proceed to the cashier counter and pay the exact amount with the card.

Hotels – some hotels will ask for a ‘deposit’ upon your check-in with payment card. Do ask them how much they plan to take as a ‘deposit’. This amount will be put on “hold”. The merchant will ‘release’ the funds after you check out, but sometimes may take a few days.

Recurring Payment – if you sign up for this, please ensure you have sufficient funds in your Card Account before its due date.

For cash withdrawal, the limit is RM2999.00 per day, subject to ATM’s notes disbursement capabilities.

Otherwise, you can spend the amount that is preloaded in you Card Account. However, your maximum Card Account limit at any one time is RM10,000.00

However, if you intend to make a large purchase with the Card, it is strongly recommended to call/email us prior to making the purchase to avoid any inconveniences.

Yes, it is stated on your ICT VISA prepaid card and all ICT VISA prepaid card have a 5 year expiration date starting from card issuance month.

IMPORTANT NOTE: DO NOT INSERT YOUR ICT VISA PREPAID CARD INTO THE CDM SLOT. You can only perform cash deposits at any CIMB CDM outlets. You will be charged RM1.00 per successful transaction.

1. Please pick a language.
2. Please read the reminder which is displayed on screen.
3. Please select “Bill Payment”.
4. Please key in “022” code and proceed.
5. Please key in the 16 digit number displayed on your ICT Money VISA prepaid card.
6. Please enter your handphone number.
7. Please key in your handphone number again.
8. Please check all information details and take note of any bank charges displayed on screen.
9. Insert the amount below RM 3,000 into the CDM slot and proceed.
10. Accept the amount and wait for the receipt.

IMPORTANT NOTE: You will be charged RM1.00 per successful transaction.

STEP 1: Insert your ICT VISA prepaid card into the ATM slot.
STEP 2: Please choose a languange of preference.
STEP 3: Enter your 6 digit ATM PIN verification number.
STEP 4: Please select Credit Card Account from the selection menu.
STEP 5: Please select Cash Withdrawal from the selection menu.
STEP 6: Please select withdrawal amount of choice. (You are ONLY allowed to withdraw funds which are available in your card account balance.)