Figures in our website are quoted for indication purpose only and subject to variation. Please contact our nearest branch or Call Center for our services requirements and more information.
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ACLEDA Credit Cards

ACLEDA Credit Card are electronic plastic cards issued by ACLEDA Bank Plc. to allow customers operate their banking services via ATM, POS terminal, or e-commerce to make withdrawals or pay for goods/services up to the existing credit line or up to the credit limit set by ACLEDA Bank Plc.

"ACLEDA Credit Card is added the most secure technology by requiring to enter One Time Password (OTP) [3] that is sent to your registered mobile phone number via SMS [4] (it also can be used with Soft Token [5] or Hard Token [6]) when making online payments (e-commerce)."

Benefits

  • You can make a purchase order and pay for goods immediately but the settlement to the Bank can be made until the 28th of each month without interest [1].
  • Making cash withdrawals quickly via all ATMs where the VISA/MasterCard's logo is displayed throughout Cambodia and around the world anytime.
  • Making payments via POS terminals at shops, hotels or companies both in local and overseas.
  • Making a purchase order via e-commerce system such as buying goods, booking air tickets or hotels rooms etc.
  • Safety and convenience by not having to carry money.
  • Possibility of operating transactions anywhere worldwide with valuable consumer protections under the law.

Type of ACLEDA Credit Cards

  • ACLEDA VISA Credit Card is a type of ACLEDA Credit Card which the logo of ACLEDA Bank Plc. and VISA are displayed including:
    • ACLEDA VISA Credit Card - Classic
    • ACLEDA VISA Credit Card - Gold/VIP
    • ACLEDA VISA Credit Card - Platinum/VVIP
  • ACLEDA MasterCard Credit Card is a type of ACLEDA Credit Card which the logo of ACLEDA Bank Plc. and MasterCard are displayed including:
    • ACLEDA MasterCard Credit Card - Standard
    • ACLEDA MasterCard Credit Card - Gold/VIP
    • ACLEDA MasterCard Credit Card - Platinum/VVIP

Currency

Currency of ACLEDA Credit Card is available in US dollar. If you make withdrawals or payments in other currency, the system will convert it automatically based on the VISA/MasterCard's exchange rates at the time of settlement.

Transaction

  • ATM
    • Making withdrawals via ACLEDA ATMs.
    • Making withdrawals via other banks' ATMs in Cambodia.
    • Making withdrawals via other overseas banks' ATMs.
    • View credit statement via ACLEDA ATMs or other local and overseas bank's ATMs.
  • POS Terminal
    • Paying for goods/services via ACLEDA POS or other banks's POS in Cambodia and worldwide.
    • Making withdrawals via ACLEDA POS at the Bank's counters.
    • Making withdrawals via ACLEDA POS at any shops, if they agree.
    • Making withdrawals via POS at other banks' counters in Cambodia.
    • Making withdrawals via POS at other overseas banks's counters.
  • E-Commerce
    • Pay for goods/services via e-commerce system (Online Shopping) both in local and overseas worldwide.

Transaction Limit 

The transaction limit in the table below can be bigger depending on the card types (gold or platinum).

Transactions limit (per day) for one card Classic/Standard
Transactions via ATM, POS, and e-commerce 25 times
Cash withdrawal/cash advance via: USD1,000
Cash withdrawal via other bank's ATM (local and overseas) USD1,000 or depends on other bank's policy
Payments via POS USD4,000
Payments via e-commerce USD4,000
Fund transfers within ACLEDA Bank via ACLEDA ATM USD1,000
Bill payment via ACLEDA ATM Unlimited
The transaction limits in our website are quoted for indication purpose only and subject to variation. Please contact our nearest branch or our Call Center for our services requirements and more information.

Requirements

  • Individual
    • Be a majority;
    • Have identity card, passport, family book, or any valid documents;
    • Have an account with ACLEDA Bank Plc. such as Savings Account or Current Account;
    • Have a permanent address in Cambodia or personal contact (mobile number and/or e-mail);
    • Have any collateral (land, building, deposit account, or guarantee letter etc.);
    • Have a proper work, salary or any sufficient income and good reputation or good credit payment history and guarantor; if not having any collateral.
  • Corporate
    • Have a proxy letter or resolution;
    • Have identity card, passport, family book, or any valid documents of company's representative;
    • Provide memorandum, articles of corporate, patent, business registration certificate, or any valid documents;
    • Have an account with ACLEDA Bank Plc. such as Savings Account or Current Account;
    • Have a company's address in Cambodia or personal contact (mobile number and/or e-mail);
    • Have any collateral (land, building, deposit account, or guarantee letter etc.).

How to Apply

Security Conditions

  • Do not store password in any objects; it should be memorized for convenient use.
  • Do not tell or let anyone see your password when you are using it. Standing closer to the ATM and make sure no one is watching you as you enter the password.
  • Change your password frequently.
  • Enter an incorrect password 3 times consecutively, your card will be blocked (if using with ACLEDA POS or ATM).
  • Do not tell or let anyone see your card information except making transaction via e-commerce by enter card number, expiration date, CVV2/CSC, and/or secure number that sent (SMS) to your mobile number or generated by Hard/Soft Token.
  • If your card is lost or stolen, you must immediately notify ACLEDA Bank. If you inform via a telephone, please notify in a letter within 2 days later of the bank's working day.

Note: 

  1. Not charge the interest (pay for goods/services) until the 28th day of each month if you pay back to the Bank by this due date. In contrast, interest rate on the balance will be charged from the payment date onwards.
  2. The currency in ACLEDA ATM in Laos is only available in Lao Kip. So the system will convert it automatically.
  3. One Time Password (OTP): It is a password used for only one transaction and will be expired within 60 seconds. It does not require to remember. This OTP is required to enter when making online payments with websites that have the sign "MasterCard SecureCode" or "Verified by VISA".
  4. SMS Token: OTP is generated and sent to your registered mobile phone number. So please contact the Bank to update your phone number if any change.
  5. Soft Token: It is an application installed on your smart phone when registering and it is used to generate OTP in your phone.
  6. Hard Token: It is a tool used to generate and display OTP.

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Any comment or inquiry?
+855 (0)23 994 444
+855 (0)15 999 233
inquiry@acledabank.com.kh

For complaint purpose
(every working day from 7:30 to 16:30)
Tel: +855 (0)15 888 654
E-mail: cmc@acledabank.com.kh

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