Ria Mastercard is a prepaid card that is linked to your Ria Wallet balance. This card can be used nationwide and worldwide for ATM withdrawals, in-store and online payments.

You can apply for a Ria Prepaid Card if you have successfully completed your KYC and are above the age of 18. You have 2 options to request a physical Ria prepaid card:

1. Apply via Ria Wallet app. Your card will be delivered to the provided address in 5 – 7 business days.

2. Walk into any Ria store and request a card. You will receive the card at the store.

*Note: Every Ria wallet user is entitled to one (1) physical card and one (1) virtual card at a time.

Yes, there will be a one-off physical card issuance fee of RM10.00 and no fees for virtual card issuance. Here are the details for applied fees:

Physical Card Issuance: RM10

Physical Card Replacement: RM10

Annual Fee: None

ATM Fee (Domestic): RM1.00

ATM Fee (International): RM10.00

POS (International): 1.25% of purchase items

You will receive a notification on your Ria app once Ria receives the card request and assigns it to your account. Delivery will take 5 – 7 business days.

If delivery is unsuccessful, our logistic partner will re-attempt the delivery of the card, failing in which the card will be returned to Ria.

Please reach out to Ria Customer Care line for further assistance.

You must activate your card in the Ria app before using it.

Once you receive your Ria physical card:

1. Login to your Ria app

2. Click on “Activate” option on your home screen

3. Enter the 3-digit CVV code printed at the back of your physical card

4. Create your 6-digit ATM pin

Note: To activate tap and pay payments, you’ll first need to make an in-person transaction using chip and PIN.

You have 2 options to request for a replacement:

1. Contact Ria Customer Care line to report this issue and request a new card to be delivered

2. Walk into a Ria store to request a card replacement

Ria Wallet passcode:

1. To make payments using Ria app

2. For card management

Ria Prepaid Card pin:

1. To make offline payments using your card

2. For ATM cash withdrawals

1. Login to your Ria app

2. Click on “Card” function

3. Click on “Manage” on your physical card or virtual card to update your card settings

4. Card details are hidden for security purposes. Click on “See details” on the top right of the card and enter your 6-digit wallet passcode

Yes, you can change your card pin in the Ria app.

No, your prepaid card balance is linked to your Ria wallet balance.

Contactless feature enables customers to make an in-store purchase by tapping their card on the contactless reader. You don’t need to enter your Card Pin in a contactless transaction if the amount is RM250 or below.

Note: To activate contactless payments, you’ll first need to make an in-person transaction using chip and PIN.

Customers can use their Ria Prepaid cards for all the services like a bank debit card. You can use it anywhere Mastercard is accepted, both online and offline.

All transactions performed using your Ria Prepaid Card will be available within Ria app.

Yes, daily and monthly limits are applied.

ATM Withdrawal

Daily Limit

Count: Max up to 3

Amount: RM10,000

Monthly Limit

Count: Max up to 20

Amount: RM50,000

POS (Offline Payments)

Daily Limit

Count: Max up to 5

Amount: RM5,000

Monthly Limit

Count: Max up to 20

Amount: RM25,000

eCommerce (Online Payments)

Daily Limit

Count: Max up to 5

Amount: RM5,000

Monthly Limit

Count: Max up to 50

Amount: RM25,000

Yes, you can use your card overseas* at any store and ATM that accepts Mastercard payments. You can enable/disable your international payments function in the settling.

Note: Standard currency conversion charges will apply.

A small fee will be charged for overseas transactions:

ATM Fee (International): RM10.00

POS (International): 1.25% of purchase items

Yes, the Ria Prepaid Card supports recurring payments and subscription plans such as Netflix or Spotify.

To cancel a subscription service, kindly contact the merchant directly.

Yes, you can add your Ria Prepaid Card to these platforms.

When you use your Ria Prepaid Card at certain merchants, they may place a temporary hold on your funds to ensure payments.

This is a temporary hold on your wallet balance for pending card transactions. The funds will be released once the merchant finalizes or cancels the charges.

The hold amount for general merchants typical takes up to 7 business days to be released, and some merchants may take up to 40 days. If merchant fails to finalize the amount within the timeframe, the amount will be auto release back into your wallet balance.

Yes, you can only spend the available balance (excluding hold amount) in your wallet balance.

Petrol transactions require a pre-authorization amount from your Ria wallet balance and any unused amount will be refunded after the transaction has been settled.

If you did not receive the refunds within 24 hours, kindly contact Ria Customer Support line to report this issue. Investigation with merchant typically take up to 45 days.

Merchants typically initiate refunds back to your card immediately. However, there may be instances where the process may take up to 7 business days, depending on the merchant and bank.

Please reach out to Ria Customer Care line to investigate your issue.

Yes, you can withdraw your cash at any ATM nationwide or worldwide (subjected to the daily and monthly ATM limit). Fees and charges will be applied.

1. Kindly contact the ATM support line to identify the issue

2. You will have to initiate a card replacement in the Ria app for new card delivery

1. Contact the ATM support line immediately

2. Kindly contact Ria Customer Care line if there is no response from the ATM support line. Investigations may take up to 40 days depending on ATM network.

Freeze your card immediately using the “Lock Card” function in the card settings. You will receive a push notification* that your card has been temporarily blocked. Contact Ria Customer Care line to report the suspicious transactions.

You will have the option to unlock your card in the card settings at any given time.

*Note: You will only receive push notification on your app if it’s being enabled.

Freeze your card immediately using the “Lock Card” function in the card settings. You will receive a push notification* that your card has been temporarily blocked.

Request for a card replacement in card settings. A replacement fee of RM10.00 applies

Yes, your new Ria prepaid card will have a different card series number.

No, your funds remain in your wallet balance and will be accessible for card payments once the new card is activated.

1. Chip and PIN technology to protect your card details and wallet balance

2. In-app push notification for you to verify your purchases