I do agree, that Credit card can lead you to IMPULSE spending. It has it's convinience for overseas travel & utility online settlement, provided you lock it up @ home.
I have a Al Rajhi Debit Card / ATM Card that came with my current account...... but here's the thing. Have not personally tried the card at any Visa locations yet. But from reading many blog's and the Al- Rajhi bank managers, they all tell me that some times it works and sometimes it doesn't, this differes from Merchant to merchant.
As for the Pay Pal Withdrawal, there are many blogs that say it works for some and not others.... !
Does the Pay pal account when opened/registered be a Malaysian address or how?