Do not respond to SMS or call from unknown person asking for your credit/debit card or online banking details.
Do not respond to any SMS or call that claiming it's coming from Bank Negara. Their officer will never call you to ask for your credit/debit card or banking particulars.
If someone claiming to be from your card service provider calls you and asks you to confirm the security numbers on the back of the card (the last three digits on the back of the card), you should end the call immediately.
What you have to do
If you're unsure, ask for a reference number and call back on a trusted number (i.e phone book) to confirm if the call was genuine.
Watch out the poor grammar that contain in the SMS.
Checking your transactions regularly.
Changing your password periodically.
Safeguarding your personal details.
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