Life moves fast — your card should keep up. 

Wing Bank Mastercard gives you the freedom to shop, spend, travel, and enjoy exclusive benefits worldwide. 

All cards feature a numberless design for enhanced security and can be fully managed via the Wing Bank App. 

 

 

Why You’ll Love It 

 

  • Pay online, tap, swipe, or withdraw cash wherever Mastercard or CSS is accepted 
  • Real-time transaction alerts 
  • Full card control in the Wing Bank App (set limits, block/unblock, manage usage) 
  • Numberless design for enhanced security 
  • Free cash withdrawal at Wing Bank ATMs nationwide 
  • Exclusive offers with Wing Bank & Mastercard partners 
  • 24/7 customer support 

Card Options

Mastercard Virtual Card

Issued instantly for online payments. No physical card required.

Mastercard CSS Card

Simple, secure, and accepted across Cambodia and internationally.

Mastercard Numberless

Designed for everyday spending with added security.

Mastercard Platinum Card

Premium design with higher daily limits.

Mastercard One Card

Cambodia’s first card combining Credit + Debit in one.

Mastercard World Card

Premium global card for frequent travelers.

Fees & Limits 

 

Virtual Card Fees 

 

Type of ServiceVirtual Card
Card Issuance Fee1st–3rd cards: Free; 4th–10th cards: USD 1 fee each.
Minimum Balance RequiredUSD 5
Monthly FeeUSD 0.50
Daily Purchase Amount LimitUSD 5,000
Daily Purchase Transaction Limit 99 times
Non-USD Purchase Fee2.5% of transaction amount
Transaction Decline FeeUSD 0.40 (insufficient balance only)
Cross-Border Fee1% of transaction amount (Apply for any merchant/acquire outside Cambodia)

 

 

Notes 

 

  • Maximum 10 virtual cards per user (Visa: 2, Mastercard: 8) 
  • Full KYC required 
  • Monthly fee charged upfront 

 

 

One Card (Credit Function) 

 

Type of ServiceMastercard GoldMastercard Platinum
Card Annual Fee (Primary)USD 50USD 250
Card Annual Fee (Supplementary)USD 10USD 50
Cash Advance Fee2% (Min USD 5) per transaction2% (Min USD 5) per transaction
Cash Advance Interest2% per month2% per month
Purchase Interest1.5% per month1.5% per month
Purchase or Cash Advance Fee in Non-USD2.5% of transaction amount2.5% of transaction amount
Late Payment Charge5% of minimum repayment5% of minimum repayment
Daily Purchase amount Limit at POS or OnlineUSD 5,000Up to USD 50,000
Daily Purchase Transaction Limit99 timesUp to 99 times per day
Daily Cash Advance Limit50% of credit limit (Up to USD 5,000)50% of credit limit (Up to USD 50,000)
Daily Cash Advance Amount LimitUSD 1,000USD 1,000
Daily Cash Advance Transaction Limit 5 times5 times
Transaction Decline FeeFreeFree
Balance Inquiry (Other Banks)USD 0.50 per transactionUSD 0.50 per transaction
Card Replacement FeeUSD 10USD 15
PIN Change FeeFreeFree
Card Validity5 years5 years

 

*For debit card usage, please refer to Mastercard Debit fees and charges. 

 

 

Eligibility – Mastercard One Card (Credit)

 

Cardholder Age (Applies to All One Cards) 

  • Principal cardholder: 18 years old and above 
  • Supplementary cardholder: 15 years old and above 

 

Mastercard One Card Eligibility Criteria

 

CardVariantEligibility & Key Requirements
Mastercard Gold One CardUnsecured
  • Minimum income: USD 200 (gross salary or profit)
  • Nationality: Cambodian only
  • Proof of income required
  • Optional company or personal guarantee
  • Cambodian National ID or Passport
Mastercard Gold One CardSecured
  • Fixed Deposit with Wing Bank
  • Minimum FD term: 6 months with rollover
  • Credit limit: Up to 90% of collateral value
  • Available for Cambodians and foreigners
  • Cambodian National ID or Passport
Mastercard Platinum One CardUnsecured
  • Minimum income: USD 2,000 (gross salary or profit)
  • Nationality: Cambodian only
  • Proof of income required
  • Optional company or personal guarantee
  • Cambodian National ID or Passport
Mastercard Platinum One CardSecured
  • Savings / Current Account / Fixed Deposit with Wing Bank
  • Minimum FD term: 6 months with rollover (for Fixed Deposit)
  • Credit limit: Up to 90% of collateral value
  • Available for Cambodians and foreigners
  • Cambodian National ID or Passport

 

Additional Requirements for Foreigners 

* (Applicable to Secured Mastercard One Cards only) 

  • Valid visa 
  • Living in Cambodia more than 182 days 
  • Employment contract or business registration 

 

Important Notes 

 

  • Outstanding balance must be fully settled before card closure. 
  • The bank may offset the collateral if repayment is required. 

 

Physical Debit Card

 

Type of ServiceMastercard CSS, Mastercard (Numberless)Platinum
Card Annual FeeUSD 6USD 50
Cash Withdrawal at Wing Bank ATMFreeFree
Cash Withdrawal at Other Bank ATMs2% (Min USD 5)2% (Min USD 5)
Purchase or Cash Withdrawal Fee in Non-USD2.5% of transaction amount2.5% of transaction amount
Daily Purchase Amount LimitUSD 5,000USD 50,000
Daily Purchase Transaction Limit99 times99 times
Daily Cash Withdrawal LimitUSD 5,000USD 50,000
Daily Cash Withdrawal Transaction Limit5 times5 times
Transaction Decline FeeFreeFree
Balance Inquiry (Other Banks)USD 0.50 per transactionUSD 0.50 per transaction
PIN Change FeeFreeFree
Card Validity5 years5 years

 

Eligibility – Physical Debit Cards 

 

  • Full KYC Wing Bank account 
  • Age 18 years old and above 
  • Applicable to all Wing Bank account types 
  • Cambodian nationals and eligible foreign residents 
  • Proof of identification: Cambodian National ID or Passport 

 

For Foreigners 

 

  • Valid visa 
  • Living in Cambodia more than 182 days 
  • Employment contract or business registration 

 

Eligibility – Virtual Card 

 

  • Full KYC Wing Bank account 
  • Age 18 years old and above 
  • Minimum account balance USD 5 
  • Proof of identification: Cambodian National ID or Passport 
  • Cambodian nationals and eligible foreign residents 

 

How to Get Your Card 

 

  • Virtual Card: Apply instantly via the Wing Bank App 
  • Physical Card: Apply at any Wing Bank branch 

 

Support 

 

📞 Hotline: 023 999 989 

💬 HelpBot: Available in the Wing Bank App