From my previous post, regarding you Don’t have a credit card. Here is another solution you can use. Public Bank has came up with a new ATM card which works as a 2 in 1 feature. Whereby it’s an ATM card plus a Visa Card. Similar to the Visa Electron card, I was able to successfully link this card with PayPal. I’m still currently waiting for the 4 digits number in order to verify the card. Since this is a VISA card, one should not have problems in withdrawing your PayPal funds into this card.This card is actually link to your Savings account, much like the Maybank Visa Debit card. But the only difference is that, this card is able to use over the Internet especially either purchasing an item or withdrawing funds to and from this Day 2 Day debit card. Unlike the Visa Electron card, this card is unembossed and your name is not printed on the card. But you shouldn’t really need to worry because, the name is exactly following your account name.
Here is a small comparison between these two cards.
|
PB Visa Electron Debit Card |
PB Day 2 Day Debit Card For more information click on link above |
| Annual Fees RM24 | Annual Fees RM12 |
| Cash Back 0.5% |
Cash Back 0.3% on Retail purchases |
| Embossed Card With name Printed | Unembossed Card without name printed on |
| Monthly Paper Statement | Service charge of RM1 for Paper Statement Otherwise free if view your statement online. |
| Card NOT link to Savings / Current Account | Card is linked to Savings / Current Account |
| 3 – 6 Weeks for Card to arrive and ready to be used | Card is available on the spot upon upgrading or applying a new account. |
| Must have at least RM25 inside the card in order to make any purchases. If you have a balance of RM75 in your account, the available balance can be used is RM50. |  Minimum at least RM10 inside the card in order to make any purchases. If you have a balance of RM75 in your account, the available balance can be used is RM65 |
In my opinion, if one already have a Public Bank account, I feel that maybe you should not upgrade this card. This is because due to “security” issues. Whereby if let say, your card were to get stolen you won’t be able to get your money back unlike credit cards. So if you do decide to use this card, probably just keep minimum amount in it, or maybe transfer to your checking account if you have one. But for those who are using Visa Electron now, I believe this will be a good move to switch over due to the lower annual fees.
 But before you go on and apply for this card, and cancel your Visa Electron. Please give me a few days or 1-2 weeks first and let me try to withdraw the funds from PayPal into this card. If it works, then by all means you guys can either opt to switch over or just stick to the Visa Electron.
2nd July Updates
I’ve already request for a withdrawal via PayPal. Now currently waiting for the funds to go into my account. Fingers crossed 
7th July Updates
I’ve succesfully managed to withdraw the funds from Paypal to this PB Day2Day Visa Debit Card. For more details please go visit this post :- PB Day2Day Visa Debit Card Withdraw Paypal Success
