First of all, this is no post per paid just sharing my experience with all my reader, because sharing is caring.
To those who didn’t know, Tune Money is part of Denis Melka, Datuk Tony Fernandes and a few business entrepreneur new product. Together with Tune Hotel, and Insurance targeted for people like us. I am quite admire Datuk Tony Fernandes business vision following his huge success creating Air Asia, a true entrepreneur.Now everybody can fly !
Ok , so lets move to our topic, why Debit Visa at Tune Money ? Simple
- •Instant online approval*;
•Easy access – you don’t require an existing bank account to sign up;
•Cash withdrawal at ATM machines worldwide;
•No income checks;
•No credit checks;
•Easy reloading options;
•No late charges;
•No financing charges;
•Affordable annual fees;RM 9.99
•No bills arriving at the end of the month;
•View your transactions online, real time;
•Exchange rate markup of only 0.5% (others may charge you a lot more – check it out for yourself if you don’t believe us);
•Security – if you lose your card, one quick phone call ensures that you do not lose your money. Whilst cash lost, is lost forever;
•Privacy – we adhere to stringent regulations for customer privacy, authentication and identity verification
and BLA BLA actually:the real reason why I sign for this Visa Debit card is for my PayPal account. I need to use Visa to cash out my money from PayPal. PayPal only accept Visa to make the payment. Since I validate my PayPal account using my Mastercard CIMB, so TuneMoney.com is the answer.
What is Visa Debit Card ?
It’s actually quite similar with a credit card, in term of usage. But, you have to bank in the money first before using the card.Simpler words, you have to got the money LOL in the bank. Whereas, credit card, you have the credit limit and you can use it as you wish.But you have to pay every month to the bank. So, Visa Debit Card is the best way to bring small amount of cash.
There are a few bank that offer Visa Debit Card, such as Public Bank Visa Electron Card and BSN Matrix Debit Card , from personal experience applying for Public Bank Visa Card, just forget it. After sending all the document required, not any of the staff contacted me for approval or confirmation. I thought my application is rejected until I read on LiewCF blog that you have to attached Pos Money around RM 50. It’s not even stated in the website.

The 5 Minutes Process!
ANybody can apply for this card, even a student (>18 years old ), factory worker ,postman hehe since no document is required even your IC.
- Go to http://www.tunemoney.com/
- Click ‘Apply Now’.
- Key in all your profile info, name, address,telephone no etc. Dont forget to choose where Post office you want to pick up the card. My advice, the one is near to your house. For my case, I chose Post Office in TESCO Shah Alam, its near my office
- Next step, you have to bank in some money to your account.You can pay by online (FPX) using Maybank2u or CIMBClick, or cash at counter(POS Malaysia,CIMB or BSN). Minimum payment is RM50. So, RM 50 it is hehe nothing more nothing less

The card will be ready in a week, so after that you have to go the selected POS Office. (Notification: maybe they will call you, i will update on that)
Before using the card, you have to activate it.
To activate your Card via www.tunemoney.com, you will have to first log-in with your user ID, password and security question, then follow the steps in the card activation section, and key in the card number and expiry date. Once verified by our system, the Card is activated.
Anyway, If you still not sure please read Tunemoney.com terms and service here




saya ader card visa bsn boleh x verify kt paypal, saya nak masuk kan duit pada paypal
@ Azri – salam azri. Sorry lah bro. Kad Visa BSN ni lagi lah tak buleh pakai hehe. Dah ramai yang complaint. One more thing, you cannot put your money into PayPal using your card.You can only cash out your money from PayPal.
You can pay other online money maker to tranfer their PayPal money to your account.Forum yang dijamin selamat untuk mencari dealer http://www.cyberwang.com
i want to get one of your debit
cards but i only have one way to
pay the fees and make deposit to
the card which is virtual card
(gift card) can i do this through
you . thanx
@ hany – first of all, this is not my debit card. What do you mean by gift card ? Could you explain more, thanks
sy mmg dah lame nk pakai debit card tp tak tau mane nk mule…ade bace kat web tune money…nmpk mudah…
nak tanye…kalo sy nak purchase ape2 barang dari overseas blh x? pastu nk masukkan bonus skali dalam card tu..blh keR? sy teringin nk join vemmabuilder…ade pape suggestion x…tq
@ zarra – Hi zara. Tune Card boleh di gunakan untuk mebeli barang secara online, cuma pastikan bakinya cukup sahaja. Bonus gaji ke nak masukkan dalam Tune Card ? Boleh explain tak . Vemma builder ni saya kurang pengetahuan lah, so tak reti nak komen
thanks zara
Saya dah 9 bulan guna Tune Card, So far, not bad. Pernah membeli barangan dari ebay menggunakan Tune Card – langsung tiada masalah. Sejak punyai Tune Card saya jarang bawa duit banyak kalau nak shopping. Nak tanya, RHB Cash Connect yg baru dilancarkan ada verify Pay Pal ke? Apakah lagi keistimewaannya yg lain..TQ
@ seed – I wish I could answer your question.Unfortunately I never try RHB Cash Connect.Anyway, I will try check it out for you ok.Thanks for drop by.
Tertinggal satu perkara , satu hal yg buat saya unhappy, hampir 9 bln guna tune card, sampai sekarang masih belum terima pin code. Dah berbuih mulut call cust. service, diaorg ckp nak htr, tak dpt pun. Pastu kelmarin call semula, diorag ckp nak call balik tp haram belum lagi. Camne tu?
utk kad debit visa ne.. antara tunemoney ngan publicbank debit card.. mana lebey bagus dia punya service ek?? mintak penjelasan lankapo ye.. ada apa2 cas x?? cas apa2 laa.. nak apply gak debit kad ne… tapi xpasti yg mana 1.. plzzz help me…
@seed – report jer kat ceo dia. post comment kat blog dia, tengkuzafrul.com. confirm cepat setel.
@budak baru belajar- mm of course lah aku suh ko pakai tunecard, sebab aku pakai ok je. public bank debit card pun ok jugak, tapi detail dia aku tak sure lah.
kalau tune card – setahun charge rm 10,sekali top up rm 50.
masa nak kutip kat pos ofis RM 3. Top up online RM.50
actualy i nak buat debit kad tp tak tau mcmna prosedur nya.. ni nak minta tnjuk ajar dr lankapo ni..
@ Vee – hi Vee. Senang jer, just sign up online at tunemoney.com. Follow the procedures. Any problem just ask ok .
bro lankapo.. aku dah apply tune card… nak tanya.. deposit yg pertama ngko wat kat mana hr tu??? 50hinggit kan.. lama x nak tggu kad sampai kat pej pos yg kita pilih??
@ budak baru bljr – aku top up mas sign up tu. Online EFX guna maybank2u charge dia 50 sen.
Kalau masa amik kat pejabat pos pun bleh top up.
7 hari berkerja bro. call dulu lah sng nak confirm
dear lankapo, a problem about pin code tu is settle now. Telah diposkan dan diterima one day before hari raya.
@ seed – oklah tuh. Buleh lah nak keluar duit kat ATM hehe. Ingat hanya CIMB ATM sahaja.Yang lain kena caj RM 10 hehe
Saya pakai Tune Card beli Nasi Lemak okay je. Xda apa2 masalah pon. Tapi dekat account statement dia tak tulis nasi lemak, dia tulis “nasi kerabu mangga” itu yg saya musykil sekarang ni…
elo bro
@ tuneitupmoney – nasi lemak yerk, nanti tapau untuk aku 2 nasi dagang ble?
@ didi – elo didi, sila2 visit blog butuk hamba ini yer
HYE lankapo….
tadi soklan sy apa ek?
sy tanya soklan trus jek off kan comp..
pastu on balik dah tak dek jwpn dr soklan….
apa ek?
niza – soklan tu di entry yg lain lah cik adik oii
bro,camne ek nk topup tune card pkai maybank2u?
saya budak baru blaja..tulung kabo caranya… ;-p
lankapo – Quite desperate to have a Debit Card for Ebay purposes. Please suggest from your opinion whether Tunemoney is hassle free and fast service ! Now holds Maybank Debit Card but no online facility, just damn frust now. Is Tunemoney debit card being recognised worldwide for purchasing purposes and what kind of fees they imposed for every transaction including ebay/paypal. Thank you for your prompt reply if obliged.
@desaboy – Well I am not so sure about Tune Card now, as many people complain about their customer service. But for purchasing online should be no problem. How about Public Bank Debit Card ? Maybe you can give it a try first.
Honestly I still push for Tune Card but I cannot guarantee their CS,
/ Good Luck
salam,
i would like to ask anybody who has experience succesfully to pay for tunemoney registration fee 9.90 and topup via post office or cimb branches and get their tunemoney card 7 days later.
how actualy the method that need to be used? is it using cash deposit form for cimb bank and kiriman wang pos for post office?
i’m a malaysian. but i already out of country now so can i still get it? after i apply online, can the card received by post? hope will get you soon, thanks!
@ miss ooi
allllooooo bro….
mcm ni cite sebenarnya…kami xbrape faham..
duit kami dh bank in… mcm mana kami nk tau duit 2 btol2 dh sampai kt dorg?
btol ke slps 7ari tepat boleh amek tunecard kt pjbt pos?\
mmg xde confirmation ape2 ke?
@ muse and the geng,
selamat dtg ke blog aku..
duit korang dah bank in, pakai cash deposit ke ? anyway simpan resitnya ok.
nak kata tepat tu tidak jugak, ada yang lambat sket. Tapi kalau nak chek dulu bleh call diaorg sebelum pergi. Ingat hanya setelah 7 hari bekerja, so cuti tak masuk.
memang takder confirmation, bila dapat kad buleh activate dan tgk baki di online statement.
bro lankapo…
thanks… love u… mmuuacchhhxxx…ahakks
nnt klu ada soklan nnt, kami tanya sifu…hoho
haha wei gua bukan gay ok…
dapat kad nanti bgtahu ok ke tak
Hi lan. aku da start pakai kad tune dari jan 08 tapi sejak beberapa kad kredit jatuh ke tangan aku, aku da stop pakai kad tune dari april 08 sampai skarang. balance pun tak sampai rm 50. Aku ada gak nak masukkan RM300 sebagai emergency use. last top up feb 08 pakai fpx sebab murah (sepatutnya reload duit TAK PATUT bayar RM0.50 atau RM2=cekik darah). Skarang nak top up ke fpx lagi mcm tak boleh. Hanya wait,wait akhirnya transaction failed. Mcm mana eh? apa pun aku MAYBANK VISA PETRONAS CARD masih pilihan aku untuk membayar kerana dapat kumpul treat point, diskaun kat carrefour, privillage sana sini dan GOLD card sebab Maybank takde SILVER CARD
Sharing is caring kan
So fpx reload tune card ada prob ke skang ni?
@ dedy ,
bro, orang biasa pakai debit Tune Card ni untuk keluarkan duit dari PayPal, seanng cerita untuk yang buat duit online la. Kalau setakat nak berbelanja di pasaraya baik pakai credit card bai hehe.Gold card tuh..
Kalau nak top up pakai fpx, make sure ko disable popup blocker ko dulu.Biasanya tu lah antara sebab transaction failed.
Saya baru request Tune Card selepas tunggu sebulan lebih Public Bank Debit Card tak dapat2. Tapi marah juga masa nak complete kan form tu adake dia paksa letak nama company, address dan fax. Satu pun sya takde. Bahagian nature of work tu pun tak ada pilihan yang tepat, letak je yang hampir – Non financial – lebih kurang gitu lah. Ha ha siapa lah yang design form macam tu. Kalau saya CEO dah transfer dia ke tempat lain. Tapi lain dpd tu ok je. Cuma nampak tak professional sebab tak boleh bagi notice bila kad sampai. Terima kasih.
@ omanis,
hehe maybe it’s just default form, letak je. bukan diorg cek pun.
so what is your intention to have Tune Card ni ? Any particular reason
sy br je dpt tune debit kad 2 ari pas. tp, asal lak initial load rm100 ilang dr balance kt website tune pas verify ek? mmg cmtue ke ape? nk g check kt atm tk dpt pin agi,, adessshhhh.. sumbodi elppp!!
p/s: bole e-mail trus kt sini ek.. frenziee_freestyle_m3@yahoo.com
@ nasrie
bro, dulu initial load pakai apa ? post office ke ? cash deposit ke ? FPX maybank2u ?
klu still takder jugak, u shud call Tune Money Customer Service, diorg will track the money. Just make sure simpan resit or proof of payment. Penting ni.
Untuk verify PayPal, minimum RM 50 lah, senang kira. As PayPal will charge you small amount USD1.90. Tapi selepas verify, PayPal akan pulangkan balik dalam akaun, don’t worry.
adesshh,, agi 1,, lupa lak,, hehe,, nk verify paypal gune tune card kena de balance bpe hinggit ekk? sy nk verify tkleh dowl.. balance skang 0.01 =( tue pon sbub initial load yg mula2 (rm100) tu ilang.. ellppp~~~
p/s: kt sini pon bole e-mail sy ek.. frenziee_freestyle_m3@yahoo.com
Saya baru lagi dalam Paypal ngan Tune Money. ..
saya ada sikit kemusykilan..
kalau kita boleh verify Paypal guna tune money, kena x boleh reload guna TuneMoney jugak?
kalau x boleh guna Tunemoney, apa yg kita boleh guna?
hi faruki,
good question, but I never tried to reload PayPal using Tune Money, maybe you can try and get back to me.
salam..lan kapo..apekah kad debit yang terbaik buat masa ni??cadangkan alternatif juga ye^^
salam cookdong,
the best debit card ..mm I only use so far Tune Money card so I cannot give fair opinion.
For me its depend on your needs. Whetver you want to use it for shopping or making money online.
If you want to use it for shopping then i suggest Maybank Debit Card, but for PayPal verification, cash out money from Paypal may be you can try Al-Rahji, TuneMoney or Public Bank.
Aq baru nk apply. Anybody, can tell me how I need to do after register in tunemoney website.
Kata kena pi kat pejabat pos. Tp wat pe yea???
Salam,
saya dah apply online tune money ni…tp kompius sikit, saya
ingat nak buat initial reload kat BSN.. tp tak tau bila saya perlu initial reload tu, lepas dapat kad ke sebelum?
kad saya tak dapat lagi..
em ke saya tak dapt kad sebab saya tak bual initial reload tu lagi…?
bleh sesiapa jawab?
maaf la saya budak baru belajar..
Dear Akil,
Yup kena bayar dulu baru leh dpt kad.:)
Klu ada Maybank2u lagi baik, buat pembayaran online.
bro lankapo,
first top-up RM50 tu, akan masuk ke akaun baru kite tu ke?
or is it a one-time charge utk hidupkn kad?
@ bolabaling,
hidup kan kad RM 10, so u will have RM 40 lah dlm akaun.
hi.nak tanya ni.bleh tak beli brg online pakai kad bsn matrix visa electron??
@ cloud,
kad BSN hehe..nama jek gempak..matrix lah visa lah electron la..tapi hampeh..lupakan je la
Kalau nak guan utk online, Tune Card lah ok.
I really love my Tune Money Card,
for the first time,of course
never hv probs wf it,
I just withdraw 495$ USD to my Tune Money
card
ask on Saturday,got on Monday..hehe’
quite fast,already cash out today at CIMB atm.Yay!
@ anis,
good for you. Income online from selling lens je yer…bijak bijak
$495? That’s quite some money u made online eh? Anyway, how is the response of tune debit card?
Hi Deux,
I was a afew years ago from my article and link sales. Nowdays I use Maybank visa debit card to cash out my money from PayPal
card tune money ni boleh buat ayment kalau beli barang dari international seller ke?
Hi Lan Kapo. How are you? Hope you’re fine. This is a great article on debit card. Why? Since most Malaysians cannot afford to apply for a credit card due to their job history or any possible reason, this article shows them the solution or alternative to credit cards.
I found (from this post) that not only the Tune Money Debit card but there are other debit cards now like Maybank Visa, Public Bank Visa, Ambank Mastercard NexG.
I have the Public Bank debit card and has been using it for 3 years now and all the purchase I make is using online payment.
However, some sites refused to accept this but most sites will do.
Today, based on my experience, it should be pretty easy to apply for Public Bank debit card. Just go to nearby Public Bank branch and ask for it. Just get your IC and RM25 ready and you should get it within 2 to 3 weeks at most.
Thanks. Lan Kapo, your English is really good.
.-= Sapawi´s last blog ..Alain Robert The Spiderman Climbs The Petronas Towers =-.
never ever do it, do not apply for TuneMoney card, it is the worst service I have ever used, very bad service, very bad costumer service, unless you want to go ahead and try then you know what I mean
hi peter,
last time yes,
there has been some major problem with their service after TZ resign.
Now after some upgrade on their website, maybe they have upgrade their service too.
You can check out at their facebook/pages/tune-money
to complain and comment
i would like to query after reloading tune money card can i withdrawal out cash from tune money too?
Can i cash out money from my alertpay account in usd to my tune-in card? What about the currency issue?
hi Lee,
sorry I never tried to cash out from Alerpay, maybe you can try in small amount. I only tested PayPal only
Hey u can withdraw it out of paypal and get the amount of money at atm , because that option is offered by paypal itself right? By the way how is the problem of different currencies? By the way if i verified my alerpay account just like paypal using credit card(tune-in) , by all right it should be the same right? Meaning i can withdraw cash out using tune-in too if alertpay offer the option too with visa logo embedded? Thanks for replying.
Yup. But nowdays, I prefer to use Maybank Debit Card. I currently do not use my Tune card more. I prefer to use Maybank because it is easy and convenient.
If alertpay offer to withdraw to visa, then should be no problem. Good Luck
This visa debit card works exactly like a real credit card except that u have to top up beforehand right? I need to do online transaction which accept visa or mastercard , that is why i am choosing tune-in because i can apply for one without age restriction and i can own one for online transaction. By the way i need to ask how do the currency exhange take place , lets say i buy something online which cost usd10 and around rm30+ will be deducted from my card? Is that how it works? And by withdrawing fund into my tune-in account , is there any cash threshold?
I had a bitter experience with Tune Money Visa card. On Monday, October the third, I was trying to reload my card. Unfortunately, it was not possible for me to enter my card number in order to proceed. When calling these people, they told me my card has been inactivated. When asking them about the problem and the required time to tackle it, they did not give me any specific answer. However, keeping calling them till evening finally did fruit and they told me due to an error in the system, some people are having the same problem. However, at time of writing these lines, about 7 p.m. still the problem exist and I am not able to reload my card. I learned my lesson and would like to share this experience with the others: Tune Money is not a reliable system and it seems it is still early for these folks to operate this finance system. I very much recommend the card holders to use a real banking system with a strong support such as Am Bank. During few years of using their NexG MasterCard, I never came across such a silly problem and I am going to apply for a new one.
Dear Lohrasb,
Maybe you are rite, customer support is important. If you cannot help your client then it will damage the business.
I prefer to use Maybank Debit card to cash out my money from PayPal. Easy and secure.
By the way, what do you use Ambank NexG for?
Dear Iankapo
The AmBank NexG card can be fully utilized as a [debit] credit card: Shopping online and even using it my trips overseas. Their support is great; they won’t let you down. By the way, it is 7:45 a.m. on Tuesday and the problem with Tune Money still exists. However, I appreciate your advice and will consider MayBank debit card as well.
Dear Lohrasb,
I only use to cash out my PayPal money.
Good luck with Tune Money my friend.