agreed, i m a frequent traveller. withdraw cash (from saving account) at any citi ATM FOC, only cost me bank exchange. Citi hv ATM in all major cities and some airports. I dont like to exchange too mush cash at money changer (2nd loss if change back to RM). just withdraw any needed amount at ATM.

p/s: usually stay hotel near citi ATM

any other CC have the same privilege?? guess most international bank do? eg Standard Chartered, HSBC etc?? which bank has the most oversea ATM??

sorry for the confusion, i mean citi ATM card . since i m using Citibank, so i prefer citi CC for easy payment. I dont hold any other CC as citi serve me very good. So, will continue keeping citi CC.
p/s: i m a citigold member so banking is fast and convenience, plus free carpark.