No problem at all

I suppose alexwsk has answered your query

Certain banks' debit cards come with a maximum daily retail purchase limit 10k such as PBB D2D VISA Debit Card.

No. It is NOT true.

It can be done at the ATM or via CIMB Clicks.


The picture you attached refers to banks in Singapore. Cross border fee or admin fee charged by banks in Malaysia are different.

This post has been edited by MilesAndMore: Feb 2 2016, 04:31 PM

I believe you need to go back to an Easy by RHB branch.

You need to call Maybank to enable online transaction.

Public Bank debit card has the same annual fee as the regular ATM card. Anyway, the only way is to change your account to a Basic Savings Account.

Even if they give you a debit card, they shouldn't charge you if you have a non-fee Basic Savings Account.

And until a few weeks ago, RHB Bank had a few types of debit card with the annual fee ranging from RM8/pa to RM20/pa (not inclusive of GST). But now they have two types of RHB Bank debit card only and it comes in VISA or MasterCard with PayWave/Paypass and MyDebit feature. The annual fee for these cards are RM8/pa (no cash back) and RM12/pa (with cash back for overseas spending) respectively. Eventually all existing RHB Bank ATM and debit card holders will need to change to this new debit card.

I have a non-fee Basic Savings Account with CIMB Bank and AmBank. Both banks issue me a debit MasterCard but they don't charge me any annual fee.

As more and more banks are canceling or have canceled the rewards point or cash back feature for debit card, quite a few debit card users posted here asking for debit card that still offer rewards point or cash back.

Currently BSN is still offering rewards point for its debit card. Their partner is BCard and each RM1 charged to your BSN debit card will earn you 1 BCard point. And it cost you 100 BCard point to redeem RM1. That is as good as 1% cash back which beats the cash back or rewards point value of most credit card on the market. So if you want to continue to get some rewards out of your debit card usage, why not consider getting yourself a BSN VISA debit card.

No. I'm not using this BSN VISA debit card though I may get one. I'm checking with BSN if I can get this card with a Basic Savings Account so I do not have to pay any annual fee for this debit card.


Any retail purchases via VISA with this BSN debit card will get you BCard point.


That applies only to the standalone public BCard (green one). I do have this card and i have been using it for a few years already. I recently bought a few stuff from 11street and did not pay a single cent as everything was offset using my BCard points. That is when I suddenly thought of the BSN VISA debit card.

This post has been edited by MilesAndMore: May 22 2016, 08:21 PM

I went through the FAQ for this card again and you were right. You will only earn BCard points when you use the BSN VISA debit card at participating outlets.

They failed to mention if the annual fee is applicable to basic savings account.

Do they still issue ATM card now ? Quite a few other banks also failed to mention if annual fee is applicable to Basic Savings Account issued with debit card. For instance, CIMB Bank.

Yes. I have one CIMB Islamic BSA too and it is issued with CIMB Islamic debit MasterCard and it is free. However, a few years ago when CIMB Bank just came out with a debit card for their savings/current account, the CIMB debit MasterCard cannot be issued for fee-free BSA. Same goes to RHB Bank BSA.

You might want to re-read the post again. I put it quite clearly that my CIMB Islamic debit card issued with my CIMB Islamic BSA is annual fee free. But it wasn't free a few years ago and yes, it is based on real life experience too. About 7 years ago when i opened an RHB Bank BSA and opted for the non-fee option, the officer who opened the account for me issued me a RHB Bank Cash Connect debit MasterCard and the next day i noticed i was charged RM15 (the annual fee for this particular debit card has since been revised to RM20 + 6% now, but soon to be phased out). I gave them a call and i was told if i get a RHB Bank Cash Connect debit MasterCard for my RHB Bank BSA, i will still be charged the annual fee even if i choose the non-fee option. So they offered me a refund but i'll need to go back to the branch to change to a normal ATM card. Let me reiterate that this happened 7 years ago. While for the CIMB Bank case, when they came out with the CIMB Bank debit MasterCard for savings/current account a few years ago. I emailed them and ask if the card can be issued with a non-fee CIMB Bank BSA and the answer at the time was no. And true enough when i went to opened a non-fee CIMB Bank BSA a few days later, i was given a normal CIMB Bank ATM card. The account was closed about one year later and i went back to CIMB Bank last year to open a new BSA, this time i specifically request for CIMB Bank Islamic BSA as the profit rate is higher at 0.90%. I was issued a CIMB Bank Islamic debit MasterCard and no annual fee was ever charged.

It depends on your account type. If it is a non-fee Basic Savings Account, then no annual fee will be charged. I am using the old AmBank debit MasterCard and it is linked to my AmBank Islamic non-fee BSA-i. AmBank has never charged me annual fee for the debit card.

You'll be issued a debit MasterCard should you choose to open a non-fee CIMB Islamic Basic Savings Account-i. The debit card is annual fee free. The profit rate for this account is better than your current Wadiah Savings too at 0.90% per annum. You will get 8 free ATM cash withdrawals only a month. If you are a heavy user of ATM, it is recommended that you choose the fee-paying account so you will get unlimited fee-free ATM cash withdrawals.

If your BSA is the fee option (with unlimited ATM cash withdrawals) and you change to the new debit card, you will be charged RM15.90/pa.

I believe you need to walk-in to your account holding branch. I am however not sure if they can simply convert your account so to let you to maintain the same account number. Very likely they will simply open a new account for you and then close your existing account. I've asked CIMB Bank before and one person can have up to 5 savings accounts at a given time.