What is amount being pledged for the FD?

File your tax return (BE/B, with income at 2017 >RM48k) on 1/3/18 and then send your tax file & receipt to Maybank Card Centre!

Then apply for M2 Premier or Visa Infinite first.
Get M2 premier or VI then request to add FCB VS.

Write a letter to card centre requesting to cut your Ikhwan credit limit by RM10k.
Together with your application for Maybank Conventional credit cards.
But I found Maybank is very reluctant to give both Conventional and Islamic cards recently. They prefer you get either Conventional or Islamic, so you may give up Islamic cards.

Maybank and Maybank Islamic are legally separate entities, ie 2 different banks.
Conversion from Maybank conventional cards (Maybank) to Maybank Islamic cards (Maybank Islamic) is possible (with conversion form),and you can transfer the credit limit from Maybank conventional to Maybank Islamic.
But you cannot convert islamic cards to conventional cards (no such form exists) and transfer credit limit from Maybank Islamic to Maybank, so you need to apply for conventional cards and new credit limit!
So give up Ikhwan Visa/Mastercard and then apply for M2 Visa+Amex+ FCB VS.
Once you get M2 & FCB VS, transfer out part of credit limit to get new Ikhwan cards.

u have all your questions and answers in your post

can use BIG PAY to pay shopee/lazada ?
yes

can withdraw to ATM ? ===> can but will be suspended if u r not careful

nobody knows for sure. but I assume u cannot topup and withdraw within a short period of time without proper spending. but anyway this is out of topic.

You know that the winner is first 100 per day right?
By swiping once per day, what is chance got getting a strike to win?

Sorry not first.
Only 100 winners per day randomly picked by their computerized algorithm.
So you and I will never know the secret behind the randomizer.

BigPay no more cashback come 8/7/2019 from maybank.