Public Bank ESSO VISA debit card. It doesn't have annual fee, no need to open a separate account and it comes with 0.5% cash back (1% for ESSO petrol) which is probably among the best of all debit cards available in Malaysia. Top-up can be done via any PBB cash deposit machines or over the counter. You can initiate an online funds transfer too if you have a PBB savings or current account. This debit card also comes with a monthly statement so you can easily keep track of your past spending. And yes, you can sign up for PBB online banking too for this debit card.