any difference if i pay an ebay item using paypal (that is linked to my CC) or directly checkout using CC?

so far i tried both methods, i paid the same rate on both occasions

am i doing this right? could i have saved more using a method that you guys know and i dont?

thanks in advance for your reply

I used it for online payment

I used both hsbc and maybank visa in japan in the same day. I found that hsbs give better rate than maybank visa....

I plan to buy something online in Usd, should i use Paypal conversion or HSBC, Citibank, Cimb?

did you onli know this after checking your statement or did you find out on the spot?

after checked my statement after came back...
in fact, the hsbc rate is better than the money changer rate (i mean the rate i changed money on the particular day la)

That's a bit misleading as currency could have fluctuated right after you exchange from Money Changer.
Usually CC will charge from 1-2.5% admin fee

i knew, thats why i put a statement in the ()....

Public Bank Visa Signature

Transaction Date: 15/05/2016
Transaction amount: USD150
Amount charged: RM613.97
visa rate : USD1=RM4.042596 (https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html/)
Effective rate: USD1=RM4.093133
Difference: 1.0125%

Name Of Credit Card	AEON Big Gold Visa
Posting Date	13 May 2016
Amount charged in USD	30.99
Amount billed in MYR	126.53
Visa rate	4.038596
Bank rate	4.082930
fee	1.09%

Name Of Credit Card	AEON Big Gold Visa
Posting Date	13 May 2016
Amount charged in USD	10.53
Amount billed in MYR	42.99
Visa rate	4.038596
Bank rate	4.082621
fee	1.09%

Name Of Credit Card	AEON Big Gold Visa
Posting Date	13 May 2016
Amount charged in TWD	1930
Amount billed in MYR	241.39
Visa rate	0.123956
Bank rate	0.125073
fee	0.9%

Hi guys, I am currently in the UK so am trying to decide on which card to use for best rate. I only have these:

1) Maybank 2 Card AMEX
2) Maybank 2 Card Master
3) UOB One Classic VISA

Would anyone be able to advise which one will give provide the best rate? I have checked out the rates shared by members in this thread, seems like AMEX is on the high side? Even the 5X TP doesn't seem to cover it, although some members did comment that it has better rate relatively which is really puzzling. I also saw that Mastercard typically has better currency conversion rate but Maybank seems to be charging 2.25% admin fee for international transaction, while UOB is only chargin 1%.

This post has been edited by JustForFun: May 25 2016, 08:32 PM

Name Of Credit Card	AEON Watami
Transaction Date	23 May 2016
Posting Date	25 May 2016
Amount charged in USD	125.00
Amount billed in MYR	516.32
Visa rate	4.094591
Bank rate	4.13056
fee	0.88%

This post has been edited by sushix: May 25 2016, 11:19 PM

Ask here.

https://forum.lowyat.net/topic/3644347

If I am not mistaken that thread is to recommend credit card to new applicants right? I am already in the UK, so I can no longer apply for new credit cards.

I think you can still check with them as they are very resourceful.

Transaction Type: Citibank Clear Visa
Transaction Date: 25/05/2016
Posting Date: 26/05/2016
Transaction Amount: EUR 62.10
Amount Charged: MYR293.02
Bank Rate: 4.71851852
Visa Rate @ 25/05: 4.640018
Difference: 1.7%

Transaction Type: UOB Vox Visa
Transaction Date: 25/05/2016
Posting Date: 27/05/2016
Transaction Amount: EUR 62.10
Amount Charged: MYR292.47
Bank Rate: 4.709662
Visa Rate @25/05: 4.640018 and @27/05 4.596627
Difference: 1.5% vs 2.46%

This post has been edited by adele123: Dec 30 2016, 12:01 AM

Hi,

I'm traveling to Europe for few months soon, comparing Citibank and HSBC card, Citibank offer 1% and HSBC offer 1.25%, but Citibank mentioned they will covert the spending currency > USD > MYR, and HSBC dint. So if its EUR > USD > MYR converted, i will gonna pay more because its double conversion? Or using USD as medium was actually a standard for every bank?

citibank source: https://www.citibank.com.my/english/common/...rges-credit.htm
hsbc souce: https://www.hsbc.com.my/1/2/personal-bankin...rd-fees-charges

p/s Any1 knew any good card to be apply to be use oversea? I'm looking at this 2, which give 1% & 1.2% rebate, meaning if i use this two card oversea, the conversion charge is as good as nothing?
https://ringgitplus.com/en/credit-card/HSBC...sterCard-i.html
https://ringgitplus.com/en/credit-card/Citi...tinum-Card.html

This post has been edited by ragk: Jun 9 2016, 01:21 PM

Which card(s) do you have currently? From my experience, Aeon CC gives quite good rate.

Now I have a normal HSBC and HSBC Amanah platinum which doesn't give any benefit in oversea transaction as i understand

Any1 can answer my converting question?