Hi there. Welcome to the board.

It's been a while since i last used PayPal to pay a merchant. Anyway, as far as i remember, you just need to make sure you have sufficient fund in your card before you pay for anything through PayPal. Otherwise, it will be rejected by PayPal.

Please also note that certain debit cards have minimum deposit. For example Public Bank VISA Electron. RM25 must be stored inside the card at all time. So let say you want to buy a DVD for RM200, you have to make sure that your Public Bank VISA Electron has RM225 to make sure the payment goes through. This only apply to Public Bank VISA Electron. Please check with AmBank regarding your NextG debit Mastercard.

This post has been edited by MilesAndMore: Aug 11 2009, 01:21 AM

Eh ? I thought you were going to apply for Public Bank Day2Day VISA debit card ? You will be issued with this card instantly and you will be able to use this card to do online transaction after 6pm or 7pm today.

Or did you go to apply for Public Bank VISA Electron ?

Yes. You will need to open a savings account with Public Bank in order to apply for Public Bank Day2Day VISA debit card.

But in my opinion, Public Bank Day2Day VISA debit card is better because of the lower annual fee at RM12/pa compared to Public Bank VISA Electron at RM24/pa. Besides, they will issue the Public Bank Day2Day VISA debit card to you right away.

Basically you are maintaining an account with Public Bank too with the Public Bank VISA Electron. Just an account without passbook. There will be a monthly statement though.

Please take note that you must keep AT LEAST RM25 in your Public Bank VISA Electron account at all time whereas for the Public Bank Day2Day VISA debit card, you need to maintain only RM1.


I used to have Public Bank VISA Electron. That was when i'm not qualified to hold a credit card. I just canceled it in January this year.

I am now holding a Public Bank Day2Day VISA debit card. Just changed to it from my regular ATM card (the blue one with red Public Bank logo on top - click the link below to view) to this card last week. I am going to report a loss on this Public Bank Day2Day VISA debit card next year and will request for the regular ATM card. The annual fee for the regular ATM card is cheaper at RM8/pa. Besides, i have no use of this Public Bank Day2Day VISA debit card. I applied for it just to add into my debit card/credit card collection

Public Bank ATM Card


Then you just need not to deposit too much money into your Public Bank savings account. Only deposit money into it when you need to use it. The minimum deposit to maintain for Public Bank savings account is only RM1


Maybank cherry VISA debit card will be issued to you right away. You are now given two options.

Option 1
- no annual fee
- free 4 ATM withdrawals in a month
- RM0.50/withdrawal will be charged from the 5th withdrawal and so on

Option 2
- RM8/pa
- unlimited withdrawal

Far behind Public Bank and HSBC Like their online banking portal though

No. Cannot be waived. But you can always use it at supermarket and to pay at any petrol station. Currently it gives 1% cash back. After the promotional period, it will give 0.8% instead.

I spend around RM5000 on car petrol alone per annum. Based on 0.8%, Public Bank will have to give me RM40. After deducting the RM12 annual fee for Public Bank Day2Day VISA debit card, i will still earn RM28/pa.

As for Maybank cherry debit card, it will only give you 1 Treatpoint for every RM3 charged to the card which is a far cry compared to Public Bank Day2Day VISA debit card.


True. Last time it was stated that the annual fee will be automatically waived provided you have spent at least RM1000 in a year. But they have removed this from their website. So i do not know if the annual fee waiver is still available or not.

Depends on what kind of transaction you're talking about. Usually when you pay a merchant via PayPal, you will only be charged to amount you needed to pay the merchant. That's it. No handling fee of any sort.

Go to the bank ? As far as i'm concerned, we need to do it ourselves at home. But if that particular Public Bank branch you go to has public computer, then yes. You can register for Verified by VISA using the computer there too.

You will need to create one yourself

Yes. You can. There is no handling fee of any sort since it is all under Public Bank.

Steps :
1. Login
2. Click "Payment/Recharge"
3. Select "To Own Account"
4. Request "PAC"
5. Click "Payment/Recharge" again
6. Select "To Own Account" again
7. Select your account and then follow instruction


Both Public Bank Day2Day VISA Debit and Maybank Cherry VISA Debit can be used to buy things online.

This post has been edited by MilesAndMore: Aug 15 2009, 02:46 PM

For Public Bank Day2Day VISA Debit Card, they will give you 0.8% cash back for petrol and groceries spending (1% during the promotional period from now until mid-December). 0.3% cash back for all other transaction.

Maybank Cherry VISA Debit Card will give you 3 Treatpoints for every RM3 charged to the card. Public Bank Day2Day VISA Debit is actually better in terms of value. Besides, you earn no Treatpoint when you pay for petrol using your Maybank Cherry VISA Debit Card.

I had. Swiped it at ISETAN, Robinsons, Parkson, Kinokuniya, MPH and many other places that i couldn't remember of. Now using only credit cards

This post has been edited by MilesAndMore: Aug 16 2009, 09:48 AM

I forgot that i also used to use my Public Bank VISA Electron to pay for Amazon (www.amazon.com) and Ebay (via PayPal). Amazon is a US based company selling almost everything. I normally buy DVD there. Those US TV Series boxsets are actually cheaper in Amazon.com than Speedy sometimes. Do check it out if you're into US TV Series


I now rely mostly on plastics too

Eh ? CIMB e.Mastercard is sending out printed monthly statement ? Their ads a few weeks back said there is no statement.

You can call their credit card centre. CIMB e.Mastercard is under CIMB credit card department. Here you go > 03-62047788.


According to Maybank, yes it can. You need to activate something and register for MSOS on Maybank2u.com.my first though.

You've been conned mate ! You are allowed to choose the unlimited monthly withdrawal by paying RM8/pa OR continue to enjoy an annual fee free ATM/debit card with only 4 free withdrawals per month and subsequent withdrawal will be charged RM0.50. However, if your fund is more than RM5000 when you made the 5th or 6th withdrawal in a month, the RM0.50 penalty will be waived. This rule applies for the Maybank Cherry VISA debit card too.



Go back to that particular branch and insist you want the annual fee free ATM/VISA debit card.


Just like the previous regular ATM card, you will be charged RM1 each time you make withdrawal at MEPS supported ATMs.

Tell the officer that the officer who helped you to open the account yesterday told you there is no annual fee free Maybank ATM/debit card.



Subject to approval ? I bet almost 99% of current Maybank ATM/debit card users are on the annual fee free one. Some might be paying the penalty fee occasionally but mostly do not pay anything at all for Maybank ATM/debit card.

It looks to me that the particular Maybank branch you went to have very bad service and the officer has serious work ethic issue. There is a formal statement released by Maybank a while ago on their website about Maybank ATM/debit card now comes with 2 options (mentioned in previous post).


I do not know when it will be charged as mine has no annual fee (i have confirmed with the customer service officer when i opened the account). Since i have less than RM5000 in the account, i just need to make sure i withdraw money using their ATM no more than 4 times a month to avoid being charged any penalty fee which is a piece of cake as i never withdraw any money from their ATM since i opened the account with them 1 1/2 months ago. I needed a Maybank account just to perform online fund transfer to my mom's American Express charge card bill.

Insist that they change your Maybank ATM/debit card to the no annual fee one or else just lodge a complaint to Maybank HQ.


I don't think this is true. I believe the officer was just lying to him.

This post has been edited by MilesAndMore: Aug 18 2009, 08:11 PM

"electronic use only" basically means it can only be used to swipe at the terminal. But as far as i know, debit card can be used for offline payment too. This Public Bank D2D VISA debit card can be used to purchase stuff online.


Yes. Your Public Bank D2D VISA debit card is usable worldwide wherever the VISA logo is displayed. There is nothing need to be activated, as far as i know.


All Public Bank ATM/VISA debit card can withdraw up to RM5000 per day. But please note that the retail purchase limit is defaulted at RM2000 for accumulated purchase per day.

This post has been edited by MilesAndMore: Aug 19 2009, 03:06 PM

Last time my Public Bank VISA Electron can't. Why don't you try yourself with your Public Bank D2D VISA debit card and give us an update here ?

This post has been edited by MilesAndMore: Aug 19 2009, 07:11 PM

You can swipe your Public Bank VISA Electron over the counter but not through GSC E-Payment system.

Eh, we can pay for tickets using credit card/debit card at TGV ? Didn't know that Good to know


One is VISA Electron and another is just a regular VISA debit. Both are debit cards. Just different brand name category, both are under VISA International.



It's either the officer is a dumbo who knows nothing about their own bank's product or he is lying straight to your face.



No worries. There is a press release from Maybank about their ATM/VISA debit card annual fee a while back. Here you go, the official press release from Maybank > MAYBANKARD ANNUAL FEE



Should be alright i guess. Just make sure you do not simply reveal the card number and the 3-digit CVV number behind the card to others, not even your best friend. Most people credit cards' info are stolen when they perform online transaction. So you just need to be extra careful. Never heard anything wrong with PayPal before. PayPal has good reputation and is reliable.


VISA Wave is a contactless payment. Not many outlets have such function. The Maybank Cherry VISA debit card has no such function.

This post has been edited by MilesAndMore: Aug 20 2009, 01:07 AM

Most online merchants will display only credit card/PayPal and certain local online merchants will also include online bank transfer as a mode of payment. However, many sites do accept debit card, even in the payment option only credit card is displayed.

Define best.

One might say Maybank Cherry VISA debit card is the best as it has no annual fee. It also gives you 1 Treatpoint for every RM3 charged to the card which you can then use the accumulated Treatpoints to redeem for shopping vouchers or any other stuff from the Treatpoint catalogue.

However, i am actually in favor of Public Bank D2D VISA debit card. Even though it has an annual fee of RM12/pa. This is because its rewards program is actually miles better than Maybank. It gives you 0.8% cash back when you swipe it at the petrol kiosk and groceries shopping. As for all other purchases, they will give you only 0.3% cash back but still, this is way better than Maybank's RM3 = 1TP. And most importantly, Public Bank staffs are efficient, unlike Maybank's.


There is no service charge.

To all existing Public Bank ATM card holder, you can now convert your traditional ATM card to the new Public Bank D2D VISA debit card at any Public Bank branch without having to pay any conversion fee. I'm a bit upset because i just changed my old PBB ATM card to this PBB VISA debit card about 3 weeks ago and i had to pay RM12 conversion fee

This post has been edited by MilesAndMore: Aug 21 2009, 09:29 AM