EMV chip card

Statement released from Bank Negara Malaysia: As at end 2004, almost all credit cards issued in Malaysia had been replaced with chip cards, and Point-of-Sale terminals have also been upgraded to accept chip cards. For the first half of the year 2005, statistics on credit card fraud showed that the number of cases and losses has declined by 43.2% and 33.5% respectively, compared with the same period in 2004. The EMV standards are set by the international credit card associations to curb counterfeiting fraud. Malaysia is the leading country in the region adopting EMV chip infrastructure to address counterfeit fraud.

Our Visa Cards are based on OP JavaCard, JCOP from NXP.

Our MasterCard are based on OP Multos from Keycorp and OP JavaCarp, JCOP from NXP

ATM PMPC Card

The launch of the Bankcard is a mutual effort by the Malaysian banks to instigate the Payment Multi-Purpose Card (PMPC), a government's initiative to adopt smart card resolution to encourage a cashless payment society in Malaysia. And this is what Bankcard suggests, a better payment facility with enhance security, offering multi-applications, with a host of conveniences in a single card.

Our PMPC cards are based on OP JavaCard, JCOP from NXP

Combo Bank Cards

Combo Visa + ATM Card

Combo MasterCard + ATM Card

Combination of the Visa or MasterCard with the local MEPS ATM application. Very appropriate for people who travels to other countries. While in Malaysia using the MEPS ATMs while overseas, using the MasterCard or Visa Card ATM networks such as Maestro, Cirrus and PLUS.

Our cards are based on JavaCard, JCOP from NXP or Multos from Keycorp

Combi Bank Cards

Combi VisaWave + ATM PMPC C

Combi MasterCard PayPass + ATM PMPC Card

Combi cards are a combination of both a contactless card and a contact card. However the VisaWave and MasterCard PayPass are only for small transactions, below RM100 purchases.Our cards are based on JavaCard, JCOP from NXP or Multos from Keycorp

Touch’n Go Card

Touch’n Go Mifare card

Visa Credit / Debit + Touch’n Go

MasterCard Credit / Debit + Touch’n Go

ATM + Touch’n Go

A hybrid card works both ways, as a contactless card and a contact card. However both functions are not connected. Both functions are using 2 separate chips.

Visa Credit / Debit + Touch’n Go

MasterCard Credit / Debit + Touch’n Go

ATM + Touch’n Go

Both contactless and contact card run on 1 chip in the Combi card. Both operations are connected and share the same memory. Safety feature include narrows down human error when transferring cash value from Credit / Debit / ATM card to Touch’n Go e-purse operates within the same chip.

Touch’n Go e-purse on NFC Mobile Phones

Near Field Communication or NFC, is a restricted high frequency wireless communication technology which allows the exchange of information between devices over about a decimeter gap. The technology is a straightforward extension of the contactless card, that merges the interface of a smartcard and a reader into a single device. An NFC device can correspond with both existing smartcards and readers, as well as with other NFC devices, and is thus congruent with existing contactless infrastructure already in use for public transportation and payment. NFC is essentially intended for usage in mobile phones.

Touch’n Go e-Purse application supports OP Java Based technology which are currently available and running on microcontroller chip card and NFC mobile phones.