uob cards fpp handling fee is 2% for months, 3% for 12 months and 4% for 18 months.

How do I personalise my You:nique Credit Card face?
Personalising your card face is easy. Simply follow the steps below:

Step 1: Select “Click here to personalise now!”.
Step 2: Upload your favourite image or select from our image library and submit your contact details.
Step 3: Download and complete the Credit Card Application Form.
Step 4: Fax/Mail/Email the completed Credit Card Application Form and required documents to us.

should be pin and pay card.

wrong, my debit card has it and not on my younique card. same goes to other banks. only selected cards have it.

you need a debit card + savings account to activate the "transaction module".

The payment card details read from a contactless payment card does not include the 3-
digit card verification value (CVV) printed on the back of the payment card. This is
required to conduct most online payment card transactions. In addition, Malaysian
cardholders are required to enter a transaction authorisation code (TAC) that is sent to
their mobile phones or security device to authenticate online payment card transactions.

In the event the payment card details are misused to conduct a transaction at an
overseas merchant’s website that has not implemented a stronger authentication
method, Malaysian cardholders are protected by the liability shift rules introduced by the
international payment card networks which require the overseas merchant to bear the
liability of any fraudulent online payment card transaction.

source

you may download it from here

as far as i know only one email address is available.