@AndrewTan007
You obviously did not know that we can order the phone from Apple Online Store which is not tied to any telcos. Just place and order and they will send it directly to your front door within 2 - 3 weeks. Buying from garage sales or phone shop will only be the last resort since they really cut your throat.

Now even bank ATM cards can double as Debit cards. Some forumers can purchase using those debit cards but need to clarify with banks first if not mistaken.