First option
1.Apply bigpay
2.BALANCE transfer MBB to PBB(Promotion will end soon). Apply today itself. 0% for 12 months.
3.Top up big pay with PBB credit card once you get your bigpay card: top up the card with the money from balance transfer(money in PBB).
4. Find a Maybank ATM which dispenses RM 100 notes, withdraw rm3k each withdrawal(money from bigpay-only charge rm6 per withdrawal ) do not abuse this service: they will cancel your card maximum is RM 10k/ month, try not go overboard.
5. If you think that you would difficulty paying the amount over 12 months from Maybank, you can apply Hong leong bank credit card and balance transfer to Maybank credit card.
Second option
1.Apply AMBANK ISLAMIC (Remember :islamic) credit card.
2.Apply balance transfer from Maybank or Hong leong bank or public bank to AMBANK Islamic credit card.
3.Go to counter(Not ATM) and cash advance the amount that you have balance transferred.
AMBANK Islamic only charges rm50/cash advance. No other fees except annual interest rate of 18%, if you have already have extra money in the credit card (from balance transfer) : you will be imposed only RM 50/each cash advance
Third option
1.hong leong essential card withdrawal fee is 2%, annual interest rate of 10.8%, you could balance transfer to this card and withdraw as well