HLB Hello Kitty Debit Card Mastercard

Transaction date : 06/11/11
Posted date : 08/11/11
Amount charged in foreign currency : HKD190.00
Amount billed in MYR : RM77.62
Exchange rate posted in Mastercard Exchange Rate Tools: 2.488978
Service Fee: 1.655%

Maybankard Cherry Visa

Transaction date : 07/11/11
Posted date : 09/11/11
Amount charged in foreign currency : HKD251.00
Amount billed in MYR : RM102.13
Exchange rate posted in Visa Exchange Rate Tools: 40.3267
Service Fee: 0.9%

HLB Hello Kitty Debit Card Mastercard

Transaction date : 07/11/11
Posted date : 09/11/11
Amount charged in foreign currency : HKD110.00
Amount billed in MYR : RM45.07
Exchange rate posted in Mastercard Exchange Rate Tools: 2.504189
Service Fee: 2.537%

I only swipe three transaction with my debit card but credit card haven't updated.

HLB Platinum Mastercard

Transaction date : 30/10/11
Posted date : 01/11/11
Amount charged in foreign currency : HKD552.00
Amount billed in MYR : RM221.58
Exchange rate posted in Mastercard Exchange Rate Tools: 2.525585
Service Fee: 1.381%


EON Platinum Mastercard

Transaction date: 07/07/11
Posted date : 08/07/11
Amount charged in foreign currency : SGD 366.60
Amount billed in MYR : RM 918.45
Exchange rate posted in Mastercard Exchange Rate Tools : 2.45176
Service Fee : 1.021 %


Transaction date: 30/10/11
Posted date : 31/10/11
Amount charged in foreign currency : HKD 552.00
Amount billed in MYR : RM 222.02
Exchange rate posted in Mastercard Exchange Rate Tools : 2.551940
Service Fee : 1.026 %

Transaction date: 07/11/11
Posted date : 08/11/11
Amount charged in foreign currency : HKD 404.10
Amount billed in MYR : RM 165.59
Exchange rate posted in Mastercard Exchange Rate Tools : 2.488978
Service Fee : 1.019 %

Transaction date: 07/11/11
Posted date : 08/11/11
Amount charged in foreign currency : HKD 1167.00
Amount billed in MYR : RM 478.21
Exchange rate posted in Mastercard Exchange Rate Tools : 2.488978
Service Fee : 1.019 %


Transaction date: 07/11/11
Posted date : 08/11/11
Amount charged in foreign currency : HKD 836.80
Amount billed in MYR : RM 342.91
Exchange rate posted in Mastercard Exchange Rate Tools : 2.488978
Service Fee : 1.019 %

Transaction date: 09/11/11
Posted date : 10/11/11
Amount charged in foreign currency : HKD 319.20
Amount billed in MYR : RM 130.01
Exchange rate posted in Mastercard Exchange Rate Tools : 2.493111
Service Fee :

Transaction date: 11/11/11
Posted date : 12/11/11
Amount charged in foreign currency : HKD 503.00
Amount billed in MYR : RM 206.87
Exchange rate posted in Mastercard Exchange Rate Tools : 2.480071
Service Fee : 1.02 %

This post has been edited by MandyG: Dec 16 2011, 06:12 PM

going to overseas tomorrow
a very quick question to ask.

would you rather use your mbb visa/master or ocbc tit abroad?

Use the MBB cause it provides lower service charges unless you are absolute sure of the MCC that you are going to get the 5% discount for the OCBC. There are few cafes I went in Melb did not reg my transaction under the 5% category.

but isnt that OCBC, we get 1% discount.

is my calculation below correct?

MBB: 100 + 0.5% : RM100.50
OCBC: (100+0.5%)-1%: 98.995

^ It is 1% charge for OCBC from the first post, not 0.5%.

MBB: 100 + 0.5% : RM100.50
MBB duo: (100+0.5%+2.5%) 5 % weekend: RM97.86
OCBC: (100+1%)-1%: RM99.99

stil cheap hor?

This post has been edited by andyfriends: Nov 22 2011, 02:07 PM

I believe the admin fee for OCBC is higher than 1%...

i called ocbc, they told me 1 % hmm...

if there is any promotion for OCBC card, just use OCBC. Else use Maybank visa or master. Its up to you want to listen or not

reasons please...

As explained by other already that their currency forex rate are lower. They stated that their admin fee is 1% but after convert it will be higher than 1%. As I mentioned in my previous post; HLB mastercard say admin fee is 1% but after few transaction and after covert the admin fee is still higher than 1%... If you don't want to listen then you can try and swipe your card oversea, after the billing, you let us know or proves to us that the admin fee is 1%....

oh i get u. i think admin is still at 1% is just that the currency rate is higher than others offered by the bank. thx for explaning

Real life experiences shows higher than 1%

The exchange rate is actually determined by VISA or MasterCard, depends on what card brand you are using.

u mean regardless the bank, there are only 2 rates that is visa / master?
which is lower?

Sample expenditure in London recently:

Transaction Date: 4th November 2011:

American Express Platinum Charge Card

Amount in foreign currency: GBP 858.35
After conversion: RM 4,450.90


Standard Chartered PB Visa Infinite

Amount in foreign currency: GBP 24.00
After conversion: RM 122.94


Maybankard World Mastercard

Amount in foreign currency: GBP 43.48
After conversion: RM 219.16

This post has been edited by rockefeller: Nov 22 2011, 11:07 PM

it appears that master has a lover currency rate.

why they lost their licence?

I'm so confused as to how to do the currency conversion, m quite a dumy. anyhow, I used MBB Visa and OCBC Tit overseas. Alth the bank charges of OCBC is higher, with the 1/5% is still cheaper than MBB Visa. Of course, without the cash rebate, MBB is stil cheaper.

Please see below the comparison.



Transaction Date: 26.11.2011
(MBB Visa)
Amount in foreign currency: IDR 90300
After conversion: RM 32.16
Rate: RM1: IDR 2807.84


Transaction Date: 26.11.2011
(OCBC Tit), I just checked and I got 5% rebate.
Amount in foreign currency: IDR 91,000
After conversion: RM 32.55

(assuming 0%, no rebate): RM32.55
Rate: RM1: IDR 2795.67

(assuming 1%): RM32.22
Rate: RM1: IDR 2823.94

(assuming 5%): RM30.92
Rate: RM1: IDR 2942.84

may i know what credit card have low rate of exchange as i can apply PLatinum or higher...