More or less will be the same, i5 + GTX970.

Most probably can get Skylake (6th gen), I'll try and see how it goes.

Intel Core i5 6500 - RM 855
ASRock B150M-HDV D4 - RM 399
GSkill NT 8GB DDR4 2133MHz Value RAM - RM 249
Palit GTX970 4GB GDDR5 Reference - RM 1399
WD Blue 1TB HDD - RM 219
FSP Hexa+ 550W - RM 199
In-Win 703 - RM 179

Total: RM 3499 (Idealtech price inclusive of GST)

It seems like you can afford Skylake with your budget, not sure why they are pushing you to previous gen, even though I know the performance difference between them is not huge, but you do get the latest hardware and the so-called "little" improvements by going Skylake right?   

They are same actually, I used "reference" because the card is a reference card with reference design by nvidia and reference PCB (the board with all the memory and capacitors etc.) too. Because "reference" card is using single blower fan, so they can call it as "single fan" version as well.

Non-reference card means the design, cooler and sometimes the PCB are all custom made by the manufacturers, the most obvious one is the card design and cooler, you can add RM 100 to get the Palit non reference card which they call it "Jetstream" (card series name, different brand has different card series name) which runs slightly cooler than reference card and having higher potential in overclocking (if you want to overclock).