owner of both nextg and public debit card here.

i must say pb wins hands down in term of everything. now my nextg mastercard collecting dust only.

of course there are risks, but not as damaging as credit cards.

let assume that your credit card limit is rm20k, your debit left rm2k.

and one day, you lost both of your credit and debit card. the thief uses both of them till the limit, you lost 20k for the credit card, 2k for the debit card.


now tell me which has more critical damage to you in term of finance?