Credit Cards

ABA Bank issues international VISA and Mastercard credit cards that are accepted all over the world. A credit card gives you important possibility to use credited amount from the Bank’s funds when you urgently need it.

Visa Classic
New/expired primary cardFree
Annual fee for primary card$15$30$300$30
New/expired supplementary card$10$30Free$20
Annual fee for supplementary cardFreeFree$200Free
Duration of expiry4 years15 years
Cash withdrawal at ABA
No operational charge2
Cash withdrawal at other
Cambodian banks' ATM/POS
2% of amount withdrawn, min $5
Purchase inside/outside CambodiaFree
Transaction decline at
Balance inquiry transaction at
Transaction decline at
other banks' ATM/POS
Balance inquiry transaction at
other banks's ATM/POS
Re-issue PINFree
Currency exchange markup fee when
purchase/cash withdrawal in non-USD
Cash withdrawal limit (per day)$1,000$5,000$5,000$5,000
Purchase limit (per day)$1,000$5,000$13,000$5,000
Maximum cash withdrawal
Maximum purchase transactions10202020
Free access to PP and SR airport
lounge service
N/AN/A10 times/yearN/A

1 For Mastercard Standard 4 years, Visa Classic 5 years.
2 For cash withdrawal at ABA POS and ATM, interest for cash advance fee is applied.

Full information on credit cards terms and conditions, fees and charges you can get from our Relationship Managers.

Visa Classic
Visa Platinum
Interest for cash advance1.5%/month
Interest for purchase1.5%/month1.5%/month1.2%/month
Interest free periodup to 45 days
Late payment fee5% of minimum monthly repayment (minimum $10)
Minimum monthly repayment (MMR)20% of minimum monthly repayment (minimum $50)

Full information on credit cards terms and conditions, fees and charges you can get from our Relationship specialists.

All​ ABA​ cards​ come​ with​ these​ great​ benefits

Free​ issuance

Our​ cards​ are​ issued​ for​ free ​
so​ you​ can​ get​ an​ easier​ and​
better​ access​ to​ your​ funds

Fraud​ Protection

You​ are​ entitled​ for​ refund​ of​
a​ fraudulent​ transaction​ provided
​ you​ operate​ your​ account​ responsibly

Online​ Security​

Our​ cards​ are​ protected​ with
additional​ layer​ of​ security​ with
a​ One-Time​ Password​ to​ confirm​
your​ identity

24/7​ Customer​ Support

If​ your​ card​ is​ lost​ /​ stolen,​ ​
you​ can​ block​ it​ immediately​ via​ the
ABA​ Mobile​ app​ or​ call​ us​ anytime

Visit nearest branch and meet our Relationship Managers who will guide you through the application procedure, or give us a call at +855 23 225 333 for further information.

Credit​ Card​ is​ a​ credit​ (loan)​ facility​ issued​ to​ cardholders​ to​ enable​ them​ to​ pay​ a​ merchant​ for​ goods​ and​ services,​ withdraw​ cash​ from​ ATMs,​ and​ repay​ to​ the​ Bank​ (card​ issuer)​ based​ on​ a​ statement​ that​ will​ be​ delivered​ on​ a​ monthly​ basis​ to​ cardholders​ via​ E-mail.
  • Debit​ Card:​ cardholders​ use​ their​ own​ money​ available​ in​ their​ bank​ account​ with​ no​ interest​ charge,​ no​ repayment​ and​ no​ late​ payment​ charge.
  • Credit​ Card:​ cardholders​ use​ the​ credit​ limit​ which​ is​ provided​ by​ the​ Bank​ and​ must​ settle​ the​ used​ amount​ based​ on​ monthly​ credit​ card​ statement.
  • A​ convenient​ way​ to​ manage​ your​ fund.
  • With​ credit​ limit​ approved​ by​ the​ Bank,​ you​ can​ withdraw,​ purchase​ or​ make​ any​ payment​ transactions​ you​ want,​ and​ repay​ later.​
  • Get​ a​ grace​ period​ interest-free​ on​ purchase​ transactions.
  • Receive​ competitive​ interest​ rate​ while​ using​ other​ ABA​ accounts​ such​ as​ Fixed​ Deposit,​​ Saving​ ……etc​ as​ Credit​ Card​ Collateral.
  • Get​ cash​ advance​ fee​ waived​ for​ transactions​ made​ through​ ABA​ Bank​ (ATM​ withdrawal​ /Cash​ Advance)
  • Other​ benefits​ with​ terms​ and​ conditions​ apply.​ 
Just​ visit​ any​ nearest​ ABA​ branch​ and​ meet​ our​ Relationship​ Manager/Client​ Service​ Advisor​ who​ will​ guide​ you​ through​ the​ application​ procedure,​ or​ give​ us​ a​ call​ at​ 023​ 225​ 333​ for​ more​ information.
All​ ABA’s​ debit​ accounts.Remark:​ We​ do​ not​ accept​ Fixed​ Deposit​ Account​ opened​ through​ ABA​ Mobile​ App​ and​ Fixed​ deposit​ with​ NO​ Auto​ Rollover​ condition.
  • Yes,​ you​ can!​
  • You​ can​ use​ title​ deed​ of​ your​ properties​ such​ as​ land,​ building…etc​ as​ collateral​ to​ secure​ your​ credit​ card.
No,​ you​ cannot!​ Currently,​ we​ provide​ only​ in​ USD​ currency.
  • You​ shall​ settle​ at​ least​ a​ Minimum​ Payment​ from​ 1st​ to​ 15th​ after​ received​ credit​ card​ statement.
  • Credit​ Card​ statement​ will​ be​ delivered​ to​ your​ email​ in​ the​ beginning​ of​ every​ next​ month. To​ prevent​ yourself​ from​ being​ late​ paying​ or​ fail​ to​ settle​ due​ amount​ after​ receiving​ credit​ card​ statement,​ please​ contact​ us​ at​ 098​ 203​ 222/​ 098​ 203​ 333/098​ 203​ 111/​ 098​ 203​ 555​ or​ email​ to​​ for​ more​ information.
  • ABA​ Bank​ also​ provide​ one​ best​ repayment​ method​ called​ Auto​ settlement​ which​ allow​ bank​ to​ settle​ your​ due​ amount​ automatically​ from​ any​ of​ your​ designed​ accounts,​ except​ your​ Fixed​ Deposit​ account.
  • Minimum​ Payment​ is​ the​ due​ amount​ which​ customer​ must​ settle​ to​ avoid​ late​ payment​ charge.
  • Minimum​ Payment​ =​ 20%​ of​ total​ due,​ minimum​ 50USD.
  • It​ is​ a​ debited​ account​ used​ as​ source​ of​ auto​ repayment​ to​ your​ Credit​ Card​ Account.​
  • Auto​ Settlement​ will​ be​ processed​ on​ every​ 15th​ of​ each​ month.
  • Auto​ Settlement​ are​ provided​ into​ 2​ options:
i. Minimum​ Payment:​ minimum​ paid​ amount​ which​ shown​ in​ credit​ card​ statement.
ii. Total​ Payment:​ total​ due​ amount​ based​ on​ credit​ card​ statement.
  • A​ period​ which​ interest​ on​ borrowed​ amount​ is​ waived​ (interest​ free​ period)​ for​ Sale​ Transactions.
  • The​ period​ provided​ by​ ABA​ Bank​ to​ credit​ cardholder​ to​ make​ repayment​ (15days​ after​ month-end).
Sale​ transactions​ are​ the​ purchasing​ transactions​ such​ as:
  • Purchase​ Air​ ticket.
  • Payment​ made​ in​ restaurants,​ supermarkets.
  • Booking​ Hotels​…etc.
Non-Sale​ Transactions​ are​ such​ as:
  • ATM​ cash​ withdrawal.
  • Funds​ transfer​ to​ other​ accounts. Phone​ top-up​ via​ ABA​ iBanking/Mobile​ App.
  • Bill​ payment​ via​ ABA​ iBanking/Mobile​ App.
  • Late​ payment​ fee.
  • Interest​ charges...etc.
  • Interest​ charges​ will​ be​ applied​ for​ non-sale​ transactions.There​ is​ no​ interest​ charge​ for​ sale​ transactions​ only.
  • Interest​ charges​ will​ be​ applied​ for​ non-sale​ transactions.
You​ can​ withdraw​ cash​ at​ ABA​ Bank​ Terminal​ for​ free.
Yes,​ it​ is!​ Interest​ and​ late​ payment​ fee​ will​ be​ charged​ from​ your​ credit​ card​ account.
Yes,​ you​ can.​ Remark:​ Please​ visit​ any​ ABA​ Bank​ branch​ to​ fill-in​ the​ required​ forms
Yes,​ you​ can.​ Remark:​ Please​ visit​ any​ ABA​ Bank​ branch​ to​ fill-in​ the​ required​ forms.
Yes,​ credit​ card​ has​ annual​ fee​ charge​ based​ on​ the​ type​ of​ your​ credit​ card.
No,​ you​ cannot!​ Credit​ card​ account​ is​ required​ to​ use​ with​ physical​ card​ linkage.
  • Yes,​ you​ can.​ 
  • You​ just​ need​ to​ visit​ any​ ABA​ Bank​ branch​ to​ request​ for​ the​ supplementary​ cards.
  • Only​ credit​ card​ account​ owner​ can​ apply​ for​ new​ supplementary​ cards.
  • You​ must​ visit​ any​ ABA​ Bank​ branch​ to​ request​ for​ renewal​ within​ 30​ days​ from​ the​ expired​ date.
  • If​ the​ card​ has​ expired​ and​ request​ for​ renewal​ hasn’t​ been​ completed​ within​ one​ month​ without​ any​ notification​ from​ Credit​ Cardholder,​ your​ credit​ card​ limit​ will​ be​ removed​ based​ on​ the​ Credit​ Card​ Policy.
If​ you​ do​ not​ receive​ the​ Credit​ Card​ statement​ on​ every​ 1st​ of​ each​ month,​ you​ shall​ contact​ ABA​ immediately​ at​ 098​ 203​ 222/​ 098​ 203​ 333/098​ 203​ 111/​ 098​ 203​ 555​ or​

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