But that card is linked to your savings account. If that card is compromised, so does everything in your savings. Thus why I use MAE card instead. Anything happened to it and only few hundreds in my mae is at risk. Since MAE is treated as own account, topping up is more convenient compared to topping up an external account/wallet.

Exactly. You basically have to sacrifice functionality to safeguard your savings. A second account like mae acts as a floodgate to limit risk while still enjoying convenience.

Of course, ideal solution is a credit card but for those who cant, its a very good alternative.