Spot on !



No. You have to charge at least RM1,000 into the card and not by having a balance of more than RM1,000 in the card. Meaning your accumulated purchases must be more than RM1,000 in a calender year to get the annual fee of RM24 waived.



The major selling point of PBB VISA Electron is that it is not linked to your savings or current account at Public Bank (if you have any). As a matter of fact, you do not even need to be a Public Bank account holder to get the PBB VISA Electron. All you need to do is to fill in the application form and submit it. You'll get the card in a few weeks. There is no passbook or anything. Just a monthly statement that will be mailed to your house so you can keep track of your spending.


It is illegal to charge the buyer who chooses to pay with either a credit card or debit card but many stupid IT stores in Low Yat and stores selling cellphones still impose the extra fee.

thanks for the info
guess that maybank debit visa suits me most wont be using that much mainly online transfer is there any main problem about this card such as paypal or other stuff that cant use on it ?

if I am an existing maybank ATM card holder, can i upgrade it to Debit card? Any charges?

How debit card works? It will debit straight from your saving account when we make purchases (I'm not quite sure as someone said PB Visa electron dont need a saving account with PB) ?

for maybank existing ATM card holder u will be charged RM12 for changing your card to Debit Card
and yes it will debit straight from your saving account is work like most of the Debit Card just that PB Electron it will give u an extra account so it wont link to your saving account ... mean you need to transfer your money from your saving account to your PB Electron account before you wan to use it ...correct me if i am wrong

my advice
1) cancel the atm card
2) apply for debit card

shud work out to avoid the RM12 conversion fee

Which bank offers debit card without weekly/monthly/annual fee?
I only of Citibank. Any other banks?

Public Bank TARC & UTAR card...

But i'm not a TARC or UTAR student

then you should go for Maybank Visa Debit card. No annual fee

No. No problem at all. Just make sure you activate your MSOS from your M2U online banking account.


Spot on !


Maybank VISA debit card. Regular Citibank customers need to pay RM8 for the issuance of the VISA debit card (blue color) but it doesn't come with annual fee. Only CitiGold customers will have to pay nothing for the VISA debit card (gold color).


You do not have to be a TARC or UTAR student to qualify for one.

what's the diff betweet regular citibank and citigold?

In order to be a CitiGold customer, you must have at least RM200,000 of deposit with Citibank at all times.

Oooh okay. Haha.

LISTEN here people.... Maybank visa debit card is not free anymore
they collect RM8 annually start from this year (they didnt update their web site)
i just had my cherry card yesterday... it took me an hour to open just 1 bloody saving account and get my card.... what a lousy bank and customer service !

RM8/year?

u only pay that if u wan withdraw it many time/year.

If no pay then you need pay rm0.5/each time atm w/d after 4 times free

You have been DUPED !

We all are aware of the RM8 annual fee and it is optional. I had a Maybank Kawanku Savings Account briefly last year but closed it in July. Anyway, i just opened a new Kawanku Savings last week and they did not force me to pay the RM8 annual fee for the ATM/VISA debit card. On the front page of my account opening application form, it is stated clearly that my ATM/VISA debit card is annual fee free

Sad to say that you actually can refuse to pay the RM8 annual fee if you insisted. You should read my earlier post regarding my bad experience when I'm helping my friend to apply for one.

The good thing is that he can still change to the annual fee free ATM/VISA debit card. He just needs to go back to his account holding branch and instruct them to change it so he won't be charged the RM8 next year.

I was charged the RM8 as well. Never got a chance to refuse. How do I "instruct them to change it"?

Tell them you want to change to the annual fee free option with limited withdrawals.

Here is the difference between an annual fee free Maybank ATM/VISA debit/debit Mastercard and non-free Maybank ATM/VISA debit/debit Mastercard.

Option I
- No annual fee
- Only 4 FREE ATM cash withdrawals per month
- RM0.50 will be charged for each withdrawals made starting from the 5th time onwards in a month but this will be waived provided you have AT LEAST RM5,000 in your account when the withdrawal is made
- Balance enquiry at the ATM is free of charge
- RM1 for cash withdrawal at all other local banks ATM under the MEPS network

Option II
- RM8/pa
- Unlimited ATM withdrawals at any Maybank ATM nationwide
- Balance enquiry at the ATM is free of charge
- RM1 for cash withdrawal at all other local banks ATM under the MEPS network

So basically, if you are not willing to pay for the RM8 annual fee and at the same time will be withdrawing cash from Maybank ATM many times in a month, you just have to make sure you always have RM5,000 in your Maybank account. This way you won't be charged RM0.50 starting from the 5th withdrawal in a month. But if you do not have that much money but will still be using their ATM many times in a month, then i guess it's better for you to just pay the RM8.

This post has been edited by MilesAndMore: Mar 3 2010, 03:40 PM