The Card is a prepaid multi-currency Visa card linked to your Card Account. You can use it for online, in-store, recurring and overseas payments wherever Visa is accepted. The Card supports MYR, USD, SGD, GBP, EUR, AUD, HKD and CNY.

Once your iFAST Pay account has been approved, your physical card will be delivered within 10 business days. While waiting for your physical card to arrive, you can activate your digital card and start making purchases immediately.

Follow the steps below to apply for a Digital Card:

Log in to the FSMOne mobile app → iFAST Pay → Cards → Swipe right to Digital Card → Tap “Get Now”

Notes:

• *The Physical Card Issuance Fee is waived for the first 5,000 eligible clients. The standard fee of MYR 20.00 will apply thereafter.

• †The Annual Card Fee is waived for the first year following the product launch. Thereafter, a fee of MYR 8.80 will be charged annually.

• ‡The Card Replacement Fee applies only to replacement requests initiated by the cardholder. No replacement fee will be charged for lost or stolen cards.

• The Digital Card is provided free of charge.

• All fees are inclusive of applicable taxes, where applicable.

You may contact our Client Services Team if you do not receive your Physical Card after 10 business days.

The Card supports 8 currencies: MYR, USD, SGD, GBP, EUR, AUD, HKD and CNY. The Card is accepted at Visa merchants worldwide.

If you spend in a currency you do not hold, your funds will be converted to the transaction currency at the prevailing exchange rate. The rate will be indicated in your transaction details.

You can use your Card at Visa-supported merchants to:

• Pay recurring bills

• Make online purchases

• Make in-store payments

• Make overseas purchases

Your Physical Card and Digital Card are two separate Cards linked to the same Card Account.

You'll get a push notification and an email for every transaction. Make sure notifications are enabled on your device to receive them.

You may log in to the FSMOne mobile application → Notification icon [✉️] at the top right → Notification Center → Settings to check your push notification settings.

Your Physical Card and Digital Card are two separate cards linked to the same Card Account. Therefore, each Card has a different card number. This gives you greater flexibility and security. For example, if suspicious activity is detected on one Card, you can freeze or cancel that Card without affecting the other Card.

The Digital Card also provides a convenient option if you prefer not to carry your Physical Card. Once activated through the FSMOne mobile app, you can use your Digital Card for online payments using its own card details.

• Physical Card
  Log in to the FSMOne app → iFAST Pay → Cards → Physical Card → “Card is on the way” → Create 6-digit PIN → Done.

• Digital Card
  Log in to the FSMOne app → iFAST Pay → Cards → Digital Card → Get Now → Create 6-digit PIN → Done.

A Card PIN helps protect your Card against unauthorised use. It is used to verify your identity for chip-and-PIN transactions and provides an additional layer of security.

1. Log in to the FSMOne app → iFAST Pay

2. Tap Cards on the dashboard

3. Select your Physical Card or Digital Card

4. Tap Settings → Card PIN

5. Tap View PIN, then Update PIN

6. Enter your current PIN

7. Enter your new PIN, then re-enter it to confirm.

8. Done

When setting your new PIN, avoid using the following:

✕ Repeating numbers (e.g. 111111)
✕ Simple sequences (e.g. 123456)
✕ Your NRIC/Passport number
✕ Your birthday
✕ Your mobile number

Yes. You can use your iFAST Global Card overseas by enabling Overseas Transactions in the app.

Log in to the FSMOne app → iFAST Pay → Cards → select your Digital Card/Physical Card → Settings → Card Controls → Overseas Transaction.

Check whether you have enabled Online Transaction for your card.

Log in to FSMOne app → iFAST Pay → Cards →select your Digital Card/Physical Card → Settings → Card Controls → Online Transaction.

After Online Transaction is enabled, you may try again.

You can view your transaction history in either of the following ways:

• All Card Account and Card transactions:

  FSMOne mobile application → iFAST Pay → Accounts → Recent Transactions → See All.

• Card payment transactions:

  FSMOne mobile application → iFAST Pay → Cards → select your Physical Card or Digital Card → Recent Transactions → See All.

You can manage your Card Account and Card limits through iFAST Pay via the FSMOne mobile application.

• Card Account Limit
  Log in to FSMOne app → iFAST Pay → Go to  Settings → Manage Limits → Account Limit → Daily Limit
   
• Card Limit
  Log in to FSMOne app → iFAST Pay → Go to Settings → Manage Limits → Card Limit → Physical / Digital Card.
   
  Note: A 12-hour cooling-off period applies when you increase your spending limit. During this period, you can continue spending up to your existing limit. Your new limit will take effect once the cooling-off period ends.

The following maximum limits apply to your Card Account and Card:

Limits are calculated in MYR or the equivalent in other currencies. You can adjust your daily limit in the app, subject to the maximum allowed limit. Monthly and annual limits are fixed.

Example: If your daily Card Account limit is MYR 30,000 and you top up and spend MYR 10,000 you can top up another MYR 20,000 on the same day. Once you reach your daily limit, you will need to wait until the next day before making another top-up.

A daily limit may reset at the start of the next day, while a monthly limit may reset at the beginning of the next month.

Your available limit may also be affected by pending or completed transactions and other applicable controls. You can check your current available limit and reset date in the app.

The cumulative contactless transaction limit for your Physical Card is set at MYR 1,000 by default, which is also the maximum allowed limit. You may set a lower limit through iFAST Pay via the FSMOne mobile application.

Once the cumulative amount reaches your selected limit, you must complete one successful chip-and-PIN transaction to reset it before continuing with contactless payments. This limit does not apply to your Digital Card.

Yes. You will need to ensure that you have sufficient available balance in your Card Account before making a Card payment. Alternatively, you may enable Auto Transfer to automatically transfer available funds from your FSMOne Cash Account to cover an eligible shortfall in your Card Account when making a Card payment.

For more information on how Auto Transfer works, refer to “Multi-Currency e-wallet account”

If your balance in the transaction currency is insufficient, the system will automatically attempt to deduct from the next available currency based on the applicable deduction sequence. Currencies with insufficient or no available balance will be skipped. If your total available balance remains insufficient and Auto Transfer is unable to cover the shortfall, the transaction will be declined.

The deduction sequences are as follows:  
Spending Currency → MYR → USD → GBP → EUR → SGD → AUD → HKD → CNY

To resolve the issue, you may turn on your Auto Transfer. 

No. There are no additional fees for overseas transactions at this moment.

To comply with regulations and help protect you, transactions in these categories are declined:

Yes. You can customise your Card Account limit and Card limit to suit your spending habits as follows:

Note: The Card Account limit is subject to the maximum limit allowed under your Card Account settings.

You can make a combined total of 20 transactions per day using your Physical Card and Digital Card. Once the limit is reached, additional Card transactions will be declined until the limit resets the following day.

A reversal appears when a Card payment is cancelled or reversed before it is completed. It will appear as a separate transaction in your transaction history with the status “Reversed”, and the reversed amount will be credited back to your Card Account.

When a transaction is reversed, the funds from the transaction will be returned to your Card Account. A reversal can be either a Full or Partial reversal.

To check the supported currencies, click here. 

A pre-authorization hold is a temporary amount reserved from your available balance by a merchant before the final transaction is completed. This reduces your available balance until the hold is released or the transaction is settled.

Example: If your available balance is USD 1,000 and a merchant places a USD 200 pre-authorization hold, your available balance may temporarily become USD 800. The final transaction amount may be different from the original hold amount.