dear all,

i want to know that can i use malaysia credit card in australlia?

as i know, there is a vy high transition fee if i use credit card in austallia。 is it correct?

anyone who use credit card in australlia before, pls adive.

better bring cash or use credit card in australlia?
thanks

Yes, can use CC. Advice you to call the bank to inform that you will be using your CC there.

From my experience, the rate is not much difference if I use it in Aus or at other oversea countries.

in your opinion,

1. which bank credit card offer the best rate?

2. visa or mastercard offer the better rate?

3. use cash or credit card is preferred for u at australlia?

4. is that easy to use the credit card in Melbourne like supermarket(5aud can use or not), starbuck, restaurant?

thanks for your advice.

1. From the data shared here, ambank wmc
2. In my opinon, it depends more on the bank, though i tend to use visa.
3. I used cc whenever possible
4. I used cc at kmart, woolsworth and another hypermarket before and at several diners.

Aeon Watami

Trnx Date : 07 Feb
posting date: 11 feb
Transaction Amount : IDR 585k
Amount Charged : RM175.70
Exchange Rate : 0.0003003

Forex Rate from Visa with 0% admin fees at:
7/2 0.000306
11/2 0.000310

y my exchange rate is lower than visa rate?

This post has been edited by yujin86: Mar 15 2016, 05:36 PM

may I know that why ambank can give the best rate?

I just call few bank that
maybank master/visa rate is 2.25 percent bank charge
other bank is 1percent charge.

since most of the bank give same charge, why ambank can give better rate?

as I know, mastercard rate is better than visa referring to visa and mastercard website. is that correct? or there is any hidden charge for mastercard.

thanks

i do not know myself as these are the info shared by some forumers. I have not tried ambank wmc myself.

Card	UOB One Card
Transaction Date	17/03/2016
Posting Date	19/03/2016
Transaction amount	AUD 175
Amount charged	RM 567.05
rate	3.2403
visa rate@ 0%fee on 19/03/2016	3.12717
Difference	3.62%

3.62% is on the high side..called UOB, the customer service says their fee is 1% but depending on the merchant as merchant also got charge certain %... is it true? anyone with experience? the payment merchant is REED Graduation for Victoria Uni

for australlia and korea, they ask me to key in password when I use the credit card. so what should I do since I don have password.

where can I get the password or I just ignore it. thanks

for some credit cards, if the charges only 1%, seems like we no longer need to prepare so much cash when travel to foreign country, right?

cash only needed for merchant that doesnt accept credit card payment right?

This post has been edited by HenryJay: Mar 22 2016, 12:19 PM

Please bear in mind that bank's forex is also higher than general money changer.
That 1% is in addition to what differences of forex.

However, there are times the forex could be lower/higher than cash notes as it fluctuates from time to time.

This post has been edited by laymank: Mar 22 2016, 11:22 AM

Usually you can tell them you wish to sign and they shall facilitate it. You can request the pin from the bank..call cs to ask how. So far, i dont have any pin for all my cards

o see that u just pay using ur credit card in australlia. do they request pin when u swipe the card?

I heard that if the aud100 below, they use tap and pay without pin. do you use it there?
thanks

Hi this is online payment in AUD. Not in australia.

Transaction Type	Aeon Watami
Transaction Date	18/03/2016
Posting Date	23/03/2016
Transaction amount	JPY10435
Amount charged	RM386.90
rate	0.03708
visa rate	0.037390 @ 18/03/2016 @ 0.0% foreign transaction fee
Difference	(0.03708 - 0.037390) / 0.037390 =0.83%
visa rate	0.036568 @ 23/03/2016 @ 0.0% foreign transaction fee
Difference	(0.03811 - 0.036568) / 0.036568 =1.39%

Just made a purchase with Maybank 2 mastercard in Euros.

using this website: https://www.mastercard.com/global/currencyconversion/

The fee is 1.8%.

posted quite late..online or physical?

it's online purchase bro...

may I know if I use the debit card for purchase in oversea, do it worth or not compare to credit card since no bank charge for debit card o. any body experience on it and let me know thanks

That is not true. There is x% admin fee charge too for debit card just like credit card.