Only Maybank Cherry VISA and Maybank Cherry Mastercard fit all the criteria above. But you must know that their reward system is the lousiest as it gives only 1TP for every RM3. Other banks such as EON Bank gives you 1 bonus point for every RM1 charged to their debit Mastercard but there is an annual fee of RM8.

And by the way, of all the debit cards available in Malaysia, only Public Bank Day2Day VISA debit offers permanent cash rebate when you use it to pay for petrol. Currently they will give you 1% cash back for petrol and groceries transactions. This will reduce to 0.8% after the promotional period (31 Dec 2009). All other transactions will give you 0.3% of cash rebate.