Virtual Disposable Prepaid VISA Card - 9 months expiration

RM29.90 or the card + 10% fee on the amount to load on to this card.

* Min AUD$50.00, Max AUD$1000.00 (Non-Reloadable)
* Use as any other VISA card to pay online at any merchant that accepts VISA

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You BUY something that need Credit Card only ?

* Fee: RM15.00 + 8% of the total purchase value.

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what are the different between this two? mind PM me the details? need to use credit card but dont have one