I just couldn't understand why BNM is still stuck at year 2000 way of doing things, to register an account need to visit the branch in person. It's not like we have to physically deposit money to open account. All Fintech ewallets are already doing it online for goodness' sake.

FC Barcelona should do the trick at 2%

see post #2

Maybank is strictly no waiver, but can use 10k treatpoint to redeem card service tax.

But Barcelona card doesn't have treatpoint, so definitely have to pay.