previously when studying, i'm using public bank debit card for 2 years.

4 me, its very2 ok. can pay online (paypal also) with no problem

they sent the card statement every month, even we can still check it via pbebank online.

only, u need to have min balance of rm25.
let say want to swipe rm250, the card balance must have rm275 (more is better).

no annual fee? 1st year is free, 2nd year is rm24, but will be waived, if on the 1st year u shop more than 4k. that 2nd year, i already using credit card. so before the 2nd year finished, i terminate it ~ hehe.