try to check with pbb see 20k fd can pledge for their vs or not
if can, then take vs and 2 quantum card
to maximize your cash back
i think is worth than promotion rate

token no need money
just open a savings account
then tell the counter you want to apply security token
they will give you
if you lost it or damage it
you need to pay RM 50 to replace it
1 disadvantage is you cannot use mobile apps to transfer money
cause it wont let you use secure token but only sms tac
but sms tac would never send to you after you activate to use the secure token
stupxd pbb 2 years already still cannot resolve this issue eventhough they aware of it

Quantum Visa
No Cash Back
VOIR Mid Valley

so sad loh
then departmental only metrojaya, parkson, aeon only?

never tried pacific