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.

Type of cardMastercard
Visa Classic
New/expired primary cardFree
Annual fee for primary card$15$30$300
New/expired supplementary card$10$20/$30Free
Annual fee for supplementary cardFreeFree$200
Duration of expiry4 years5 years
Cash withdrawal at ABA
No operational charge*
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2% of amount withdrawn, min $5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 PIN$2/PIN Free
Currency exchange markup fee when
purchase/cash withdrawal in non-USD
Cash withdrawal limit (per day)$1,000$5,000$5,000
Purchase limit (per day)$1,000$5,000$13,000
Maximum cash withdrawal
Maximum purchase transactions102020
Free access to PP and SR airport
lounge service
0010 times/year

* 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.

Fee typeMastercard Standard/
Visa Classic
Visa Credit Platinum Lite/
Visa Business
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.

You can

With ABA Visa/Mastercard you easily can:

  • Get worldwide acceptance at millions of Mastercard ATM and Merchant locations;
  • Top­-up your mobile phone credit in any ABA ATM and ABA iBanking;
  • Use ABA Visa/Mastercard in more than 200 countries worldwide;
  • Get the highest level of security. You can use your card to authenticate in ABA iBanking;
  • Pay only for purchases which you have authorized. Unauthorized purchases or payment are not your responsibility (Terms and Conditions apply);
  • Receive financial record and keep track on card transaction;
  • Use 24/7 Customer support hot-­line (855) 98 203 333 / 23 222 995.

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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