It's a bit unclear. So u want to transfer from NZD to MYR bank account using Wise. Correct? Both NZD and MYR account are yours, correct? No necessary to apply for wise debit card. You what to transfer money, not use the debit card.

Do you actually have NZD bank account in New Zealand, or are you just referring to NZD account in Wise?

You only need one Wise account. Have you actually signed up for one?

AFAIK accounts registered outside Malaysia cannot hold MYR balance, so what happens is Wise will act as intermediary, and directly transfer your NZD to Malaysian bank account within seconds. I'm not sure if your wise account registered in Malaysia or NZ? You were a bit unclear.

So to summarise:

Transfer any currencies to MYR, using Malaysian bank account. Yes possible.

Transfer any currencies to Wise MYR balance. Possible if  wise account registered in Malaysia, not possible if registered outside of Malaysia.