Phnom Penh, December 12, 2025, – Oriental Bank, a leading financial institution dedicated to advancing innovation and defining the next era of digital banking, officially launched its new Mastercard Cambodian Shared Switch (CSS) Debit Co-badged card and Mastercard Credit card at a grand ceremony held at Raffles Hotel Le Royal on December 12, 2025.

To achieve its ambition of becoming Cambodia’s leading digital bank, Oriental Bank continues to pursue new milestones – most recently with the launch of Mastercard CSS Debit Co-badged card and Mastercard Credit card, innovative physical card solutions. The bank’s expanded card portfolio enhances everyday banking into a more flexible, convenient and globally connected experience.

The Mastercard CSS Debit Co-badge card combines Mastercard’s global acceptance with National Bank of Cambodia’s CSS network, enabling seamless local and international transactions, available in both Standard and Gold tiers to suite a range of cardholder lifestyles. Meanwhile, the Mastercard Gold Credit Card offers flexible repayment options, the convenience of spending on credit while enjoying exclusive Mastercard benefits. Together, these cards are designed for today’s dynamic lifestyle, offering convenience, rewarding experiences, exclusive privileges and allowing cardholders to manage their cards anytime through features available on the Oriental Mobile App.

Key features of the Oriental Bank Mastercard CSS Debit Co-badge card and Mastercard Credit card include:

• 24/7 convenience through the Oriental Bank Mobile App, allowing cardholders to block, unblock, close their cards, set daily limits, reset PIN, switch linked accounts and monitor card activity in real time. Cardholders can link their cards to individual or joint accounts and update account preferences without visiting a branch.

• Enhanced security for online payments through advanced 3D Secure and out-of-band (OOB) authentication. Cardholders receive secure push notification via the mobile app to approve or reject each transaction, ensuring safe usage across e-commerce and digital platforms.

• Enable customers to make purchases and cash withdrawals using a PIN or enjoy fast, contactless payments for everyday convenience.

Receive instant SMS notifications for every transaction, providing transparency and peace of mind with real-time alerts.

• Access to a wide range of banking and payment channels, allowing cardholders to withdraw cash, transfer funds, perform various transactions through ATMs and make payments at POS terminals and online, both locally and internationally.

• Advanced EMV chip technology, offering robust security features to protect against fraud and unauthorized transactions.

Since opening its doors on February 22, 2022, Oriental Bank has driven digital innovation and delivered modern financial solutions. Over the past few years, the bank has introduced a comprehensive suite of services, including Mobile Banking for personal customers, Internet and Mobile Banking for corporate clients, Digital Lending, and a variety of solutions designed to deliver greater convenience, efficiency and security. A key milestone in this journey came on January 17, 2025, with the successful launch of virtual cards, enabling customers to make secure, instant digital payments, seamlessly manage transactions through the mobile app, and enjoy the freedom of cashless banking anytime, anywhere.

Datuk Ying Tong Phan, Managing Director & Chief Executive Officer, Oriental Bank said, “Today marks an exciting milestone as Oriental Bank and Mastercard join hands to build a fully integrated cashless ecosystem in Cambodia. This partnership is designed to make financial services more accessible, convenient, and secure for individuals, small businesses and larger enterprises. By combining Mastercard’s world-class payment technology with Oriental Bank’s strong local presence and commitment to Cambodia’s economic growth, we are empowering customers to embrace digital payments with confidence.”

“This collaboration is not just about convenience; it’s about driving financial inclusion and supporting the broader economic development of Cambodia. From seamless point-of-sale transactions to secure online payments and innovative digital solutions, the bank’s goal is to provide a safe, efficient, and modern banking experience for everyone. Together, Oriental Bank and Mastercard are laying the foundation for a more connected, cashless future where technology and trust work hand in hand to unlock new opportunities and simplify everyday financial transactions for all Cambodians,” he added.

The cards offered by Oriental Bank are thoughtfully designed to be unique, elegant, and rich in meaningful details that reflect the bank’s commitment to excellence.

• The Mastercard Gold Credit card features soft pastel gradients, subtle floral accents, a geometric centerpiece, and a light blue border, creating a modern, premium design that feels refined, high-quality and confident.

• The Mastercard CSS Gold Debit card is inspired by nature. The sky, mountains, and sea—with a bright sun at its center to suggest a positive, hopeful future. A gold ring runs along the edge of the card, adding a sense of elegance and continuity, while the open sky elements hint at ambition and possibility, creating a calm yet confident visual identity.

• The Mastercard CSS Standard Debit card offers a refined and elegant aesthetic with gentle floral elements and a clean, sophisticated layout, ideal for customers who value subtle beauty and timeless design.

Mr. Sharad Jain, Country Manager for Vietnam, Cambodia and Laos, Mastercard said, “As Cambodia continues its rapid digital transformation, Mastercard remains committed to supporting the country’s evolving digital payments landscape through strong collaboration with local partners. Mastercard is proud to deepen its collaboration with Oriental Bank through the launch of Mastercard Debit and Credit cards, reflecting the organization’s shared ambition to deliver secure, seamless and globally connected payment solutions for cardholders in Cambodia.”

Mastercard’s network is accepted in 210 countries and territories at over 150 million merchants worldwide, giving cardholders effortless access to a global payments’ ecosystem – whether making in-store, online or contactless transactions. Customers benefit from versatile payment options such as ATM withdrawals, point-of-sale, ecommerce transactions, and exclusive promotions. Equipped with chip technology, SMS payment alerts, and Out-of-Band (OOB) verification for online transactions, the card delivers both convenience and advanced security, empowering cardholders to transact anytime, anywhere with confidence. National Bank of Cambodia’s Cambodian Shared Switch (CSS) network is popular for everyday use in Cambodia, offering access to most POS terminals and ATMs nationwide, providing secure, convenient transactions at shops, restaurants, and service providers, making a practical and reliable solution for local banking.

Key benefits of the Oriental Bank Mastercard CSS Debit Co-badge Card and Mastercard Credit Cards:

• Cash Rebate – Earn cash back on eligible purchases such as groceries, dining, fuel, and online shopping, automatically credited to customer account.

• Free Lounge Access – Enjoy complimentary access to selected airport lounges worldwide, featuring Wi-Fi, refreshments and comfortable seating.

• Exclusive Partner Discounts – Get special deals and promotions at retail, dining, travel, and lifestyle partners, both in-store and online.

• Travel Benefits – Access travel-related perks, including insurance coverage, emergency assistance, and special promotions on flights and hotels.

• Enjoy exclusive discounts on health screenings at Oriental Bank’s partner hospitals in Malaysia. This offer allows cardholders to access top-quality medical check-ups and preventive tests at premium facilities, making it easier to prioritize your health while saving with your card

• 24/7 Customer Support – Dedicated customer service to assist with card inquiries, fraud reporting, or lost/stolen card support.

• Card Management Tools – Monitor transactions, set spending limits, and manage card through Oriental Mobile Banking App.

Consumers can conveniently apply for Oriental Mastercard CSS Debit Co-Badge Card and Mastercard Credit Card at the nearest Oriental Branch, through Mobile Banking App or by submitting a request via “Contact Us” page on our website. For more information on card benefits and privileges,

please visit our website https://www.orientalbank.com.kh/promotion/card-promotions