The application of prepaid-cash card for consumers.

A prepaid-cash card is a pre-paid debit card that enables the card holders to make purchases and the payment is deducted from the card’s available balance. It has become popular and widely used in all parts of the world. The most common prepaid-cash card used by Malaysian is Touch ‘n Go card and mobile prepaid card while Octopus card is famously use in Hong Kong.



Touch ‘n Go card may use in many places such as highway and Light Rail Transit (LRT). It is very convenient to the users especially during festival time. Users can easily pass through the counter with Touch-and-Go card. Thus, they do no need to waste their time to buy ticket. Furthermore, Touch ‘n Go card can be used to buy item in some outlets situated in Klang Valley such as Burger King and A&W. Beside that, there will be a plan to replaces credit card with Touch ‘n Go card at petrol station as the dealer of petrol station have to bear the 1% commission for credit card transactions.


Cell phone prepaid card is also a type of prepaid cash card. The users buy those prepaid cash card and reload into their mobile phone account in order to make call or perform any communication purposes. For example, IDD prepaid calling card that uses to make a call to other country.

Octopus card is the most useful prepaid cash card in Hong Kong. It has offered various services for the user. For exmple, user can use those cards to purchases goods in retail outlets and pay for the public transportation services. They are over 10 million transaction incurred everyday.

Overall, the advantage of the prepaid cash card is cardholder themselves can control their expenditure because the payment will become invalid once it exceed the balance available in the card. Thus, cardholder will not overspend their money.