LOL ! Why even bother to use their credit card in the first place ? 
Depends on what you look for from your credit card. If you like to buy things in installment, then you should go for Maybank or Public Bank. If you want a card that gives you the best rewards, then it's Alliance Bank as it has the highest cash back system.

thanks bro for the info. i checked out all the website, their interest rate is shocking, citibank is cheaper at 10% flat rate, while DA as low as 2%, how naive i am that i expect a 0% interest free from this kind of service

---

Added on May 16, 2010, 12:20 am

hey bro, just now i call up card centre to ask about this admin fee, despite i ask twice for confirmation, the guy still tell me that there will be no additional charge for overseas purchase if u slot ur card at overseas merchant. just normal forex rate will apply.

only there will be "border" fee apply if we do some internet purchase in malaysian ringgit, tho i dont understand what the crap that he's talking about. gona call up again monday to ask again.

its up to the bank they charge admin fee or not, some bank say they charge eg. 2% after covert, some bank say they don't charge, but their rate is higher eg. visa site say USD is 3.21, but they will convert at 3.24

so no matter how you look, there is a fee for forex change.