Original Article from http://prevalentco.blogspot.com

Original Article from http://prevalentco.blogspot.com

Malaysia Debit Cards comparisons!

There are many Debit Cards offered by our own Local bank, I will just take the most common and new debit card used. Public Bank, Maybank and Affin Bank. After you read this post, be aware that you will be making the decision with your own discretion about which debit card bares the lowest cost and have a lot of benefits offered around Malaysia.

Many bloggers had applied for Public bank debit card, I must say even myself had applied one because at that time I only knew that was the only bank that enable for me to accept Paypal money but now, there are more than 1 bank offers and as far as I know, right now Maybank offers the best economic cost and much less hassle than others.

It is so much faster than Public bank debit card. And I believe it is so much better than the so-called "HARD-BALLS METHODS"( Bloggers named it that way @_@" ) which is my last year post....But now you do not need that anymore.

If you still support Public Bank debit card, then you could refer to this post "how to apply PB debit card and verify you Paypal".

That is what the Paypal had stated when you tried to add debit cards.

Now let me show you a few(about 2 or 3) differences between Affin debit card, Public Bank debit card, and Maybank Debit card.
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1. Affin bank debit card application has requirements, and one of them is that they require the new customers to have the following amount of money before you are eligible of course it is different than Existing customers ...


2. Before you apply for this, you need to know these charges. This is the most important part of all the differences right? As you can see the annual fee is RM 20, and the balance INQUIRY cost you RM 1!!


3. Affin bank debit card is with MASTERCARD...
**( Unable to verify Paypal account, sorry i don't know the reason behind it )

For more details please refer to the main page of Affin bank Debit Card
Source : Affin Bank Debit Card (Mastercard Logo)
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1. Maybank debit card gives you less hassle, because "No income requirement for application, no finance and late charges or annual fees". Don;t believe me?! Please refer to Maybank then =P


2. A lot of fees are waived compared with Affin and Public Bank. "No more annual fees, monthly interest rates or late charges to worry about with the Maybankard Visa Debit" refer to


3. Maybank offers a VERY fast because you can get the Maybank Debit Card on the spot!


4. Maybank debit card is with VISA....
**( unfortunately, this debit card could not be used to verify PayPal too, no idea why... )

For more details please refer to the main page of Maybank Debit Card
Source : Maybank Debit Card
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A lot of bloggers knew about Public bank debit card so I guess I just skip the screenshots =)

1. Public Bank debit card requires you to deposit minimum amount of cash RM 25 into the debit card account after you received the letter of approval. Only then you are able to receive the approval letter( minimum 7 working days ). After you received the approval letter, you should know that you need to deposit the RM 25, minimum amount into the Debit Card account. The minimum amount MUST maintained at all time!


2. First year annual fee is waived. Default annual fee will be RM 24. You can still have the Fee FREE only if you fulfill the minimum Retail spending, that is RM 1201 and above.


3. You can receive the debit card after 1 week upon your deposit to your PBB Debit Card account ( approximately 12 working days provided you paid the minimum deposit amount )


4. Enjoy Cash MegaBonus of 0.5%, there is no minimum qualifying level of maximum spending limits. PB debit card is with VISA.

5. You can use this debit card to verify your Paypal account and start accepts payments. Good Luck

For more details please refer to the main page of Public Bank debit card
Source : Public Bank debit card


Disclaimer :
Please use the info wisely, and I do not held any responsibility for any losses you will encounter or had encountered....
Do not copy and paste my article, if you wish to re-publish it please email me and remember to state the source. If you wish to Email me, here is my email address : elitevillain@gmail.com

Reported by EliteVillain

I want to add information on debit card i use which is Tunemoney. Tunemoney also accept paypal as well. As far as i concern tunemoney has no transaction problem to paypal.here are the fees and charges.

	YouPay Us
	No Program Services Annual Fee One Time Fee Per Transaction Fee 1 Basic Card – Tune Card RM 9.99 N/A N/A 2 Lost / Replacement / Damaged Card N/A RM 20.00 N/A 3 Card Cancellation N/A RM 3.00 N/A 4 Hard Copy History Transaction N/A RM 5.00 N/A 5 Sales Slip Retrieval N/A RM 20.00 N/A 6 Foreign Exchange / Conversion Fee N/A N/A + 0.5%
	You Pay Them
	No Program Services Annual Fee One Time Fee Per Transaction Fee 1 Card Collection at Pos Malaysia* N/A RM 3.00 N/A 2 Reload charges – Cash** i. Pos Malaysia ii. CIMB Bank iii. Bank Simpanan Nasional N/A N/A RM 2.00 RM 2.00 RM 2.00 3 Reload charges – FPX (Online) N/A N/A RM 0.50 4 ATM Withdrawal – Domestic i. CIMB Bank ii. Others N/A N/A RM 1.15 RM 10.00 5 ATM Withdrawal – International N/A N/A RM10.00 or 1.5% of the withdrawal amount, whichever is higher
	* Payable to Pos Malaysia during card collection. ** Payable to Pos Malaysia / CIMB Bank / Bank Simpanan Nasional during reload of card.

*You can apply tunemoney debit card online for more information and apply please visit http://www.tunemoney.com