In developed countries, nowadays people don't even have cheque book or cash in their wallet as most use Debit Cards. The Wave Feature is handy but like I said, better get RDIF blocking wallet.

As for McD, no need go very far, McD SG accept CC/DC. However, I would suggest you get a PIN number if you really want to use your CC overseas for small purchases or at Self service counters.

To qualify for the RM150 Cash Back, the Qualified Cardmember must have
charged on his principal credit card an accumulated retail purchase of RM1,000
and above within the first 2-months from the card approval date

Bro, years ago, even 20 years ago, all Malaysian credit cards are issued with a PIN number. But most are like me, just tear it up or keep in drawer.

YES, Malaysian issued credit card still comes with PIN (if you request for it) because you need it to withdraw cash from ATMs (not that I am saying we should).

For Australia, in August this year, all credit card in person transactions need to be verified with PIN. And if I not mistaken, zenquix mentioned before that Malaysia is heading that way very soon (I can't remember the month).

'Chips and pin' will be coming to Msia on 01 Jan 2015

http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=2226