Wacky, honestly, i did not understand what you are trying on above statement. rm 2 per top up, to me, is not cheap.  minimun 2 swipes a year, is not a problem to me as i ue credit card to pay for gasoline.

Personally, this tunecard is especially design for consumers which is not eligible for a credit card. well, i believe majority users of this service are not rich, which top up more than 1000 everytime is not an easy task. so, they might top up few hundreds ringgit everytime (assumption), without considering the rm 2 service charge.

That is why i said, since we wory too much, expensive service charge and beyond control spending habit, why not opts for Debit card instead, which i believe many banks do that ( public bank, hong leong bank, as far as i know ).

I know simple maths, but not an expert physician.

Thanks