Bro,

When i Logged into the visa link, the bank fee I placed 0% and got 4.221578.



How do you get rate of 4.192415? Thanks

This post has been edited by CP88: Oct 20 2016, 09:43 PM

Sharing for one of the payment via New Aeon Gold Visa.

Transaction date: $8.43 18/10/16 (US time)

Posting date: MY36.08 20/10/16

Visa rate at website on 20th: 4.199580

Bank charges: [(36.08/8.43) - 4.199580]/4.199580*100 = 1.91%

Seems Aeon Gold Visa bank charges not low as well..

This post has been edited by CP88: Oct 20 2016, 10:09 PM

key in card in usd....then payment in myr....and you will get the exchange BUYING myr...usd0.238526 per myr....recipocate that you get the rate...

RHB master card charge differently on top of the master rate, on different days.

Post Date	Foreign Amt Sign	Foreign Amt	RM Amt	Bank Rate	Card	Credit Type	Visa/Master Rate	RM Amt with Visa/Master Rate	Bank Charge
2016-09-30	EUR	14.50	68.44	4.720000000	RHB	Master	4.660874	67.58	1.27%
2016-10-03	EUR	14.50	68.79	4.744137931	RHB	Master	4.650968	67.44	2.00%
2016-10-03	EUR	14.50	68.79	4.744137931	RHB	Master	4.650968	67.44	2.00%
2016-10-10	EUR	268.00	1,268.86	4.734552239	RHB	Master	4.638046	1,243.00	2.08%
2016-10-19	EUR	231.17	1,088.07	4.706795865	RHB	Master	4.600431	1,063.48	2.31%

i think limeuu is right, the same bank and same card may charge differently on different day on the foreign transactions.

This post has been edited by pvateme: Oct 24 2016, 04:47 PM

I got one transaction, PB only charge 0.69%.
and I found out master gives better rate than visa. So was initially thinking to use RHB master card rather than PBVS. But, after few round of transactions using RHB master, i then realised the bank charge from RHB vary from 1% to 2.x%. Which end up, the converted amount in RM is more or less the same using RHB master and PBVS. I think I will use PBVS for my following transactions. Thanks for your information on PBVS.

Hi. Normally I will not have any problems using credit card for online purchase. But this website keep reject my cc/paypal, perhaps because of they want US cc. Is there any chances to solve this without having US cc?

did you try paypal ?

Transaction Type	Aeon New CC
Transaction Date	08/10/2016
Posting Date	10/10/2016
Transaction amount	New Taiwan Dollar 3000.00
Amount charged	RM 402.44
bank rate	0.1341467
visa rate	0.132159

that is almost 1.5% extra on top of the visa rate? (instead of 1%)
is my calculation correct?

Both paypal and credit card rejected 😅

hi all,

i am starting to look into cost of my cc for overseas purchase

i see on post #1 there are some fees in % which are different from bank to bank

does this mean if we use cc to buy something overseas, bank will charge fee (in %) + exchange rate of that time?

this was your rate on the visa website 1 TWD = 0.132159 MYR (3000 TWD = 396.45 MYR)

yeah you are right, the difference is 1.51%

i should try with my Aeon Gold one day to see if it's the same

This post has been edited by DarReNz: Oct 31 2016, 01:03 PM

Ambank cards...

payments in sgd and aud...

visa yields about 2.0 to 2.2% on top of visa rates....

mc yields a consistent 1%....

i should drawer the visa and just use the mc....

I wish this is the same to other bank master cards. From what I noticed, master rate is better than visa. unfortunately some times my rhb master card yields 2.x%. ends up the converted amount is similar to using pb vs.

This post has been edited by pvateme: Nov 3 2016, 09:09 AM

Transaction Type	Aeon Watami
Transaction Date	28 Oct 2016
Posting Date	?? no longer stated in aeon website
Transaction amount	NT765
Amount charged	RM103.22
rate	0.134928
visa rate @ 28/10	0.132134
Difference	(0.134928 - 0.132134) / 0.132134 =2.1%

one final transaction with watami card

Transaction Type	Aeon Gold
Transaction Date	10 Nov 2016
Posting Date	?? no longer stated in aeon website
Transaction amount	6390yen
Amount charged	RM263.32
rate	0.041208138
visa rate @ 10/11	0.041456
Difference	(0.041208138 - 0.041456) / 0.041456 =0.6%

Transaction Type	Aeon Gold
Transaction Date	10 Nov 2016
Posting Date	?? no longer stated in aeon website
Transaction amount	7572yen
Amount charged	RM312.02
rate	0.041207079
visa rate @ 10/11	0.041456
Difference	(0.041207079 - 0.041456) / 0.041456 =0.6%

This post has been edited by kenjixx: Nov 14 2016, 11:41 AM

Please update -
Maybank 2 Visa/Master Platinum is 2.25%
Maybank 2 Amex is 2.5%

This post has been edited by idoblu: Dec 2 2016, 02:46 PM

Hi guys.. I need urgent help here. I bought something online using PayPal with bank conversion rate. I bought at 375 usd but bank charges my debit card rm1.8k. How could this be when direct conversion is RM1675. That's about nearly rm125 more.

This post has been edited by farkingdom: Nov 29 2016, 05:03 PM

Paypal has charges nearly 4%.

You need to know the total USD fee charged to you?

or USD375 is the amount billed in your statement? You can see that figure. Then, use MYR converted to divide by USD. If it is, 4.8 is too high and you should question your card issuer.

sorry, what's the difference of maybank 2 card platinum and maybank 2 platinum?

Local Banks
- Maybank2C VISA/MasterCard : 2.26% (~ 1% + 1.25%)
- Maybank2C AMEX : 2.5%
- Maybank American Express with Maybank logo on top : 2.8-3%
- American Express : 2.8 -3%
- CIMB Bank : (cashback plat) 2.53% (should be ~ 1% + 1.5%)
- Public Bank : 1.25%, (visa signature) 1.0125%
- RHB Bank : (master plat) 1.02%
- AmBank :
- Hong Leong Bank VISA/MasterCard:
- EON Bank :
- Affin Bank :
- Alliance :
- Aeon: (gold) 1.5% (watami) 0.8-1.2%

Foreign Banks
- HSBC : (visa plat) 2.27% (should be ~ 1% + 1.25%)
- OCBC bank :
- Standard Chartered :
- UOB Bank :
- Citibank : 1% + 1.4% (= 2.414%)
(if SGD, it is just 0.5%. surprising)

btw, as updating from someone's info, it is realised that the visa / master rate was on the transaction date. it should use posting date.

This post has been edited by ProxMatoR: Dec 2 2016, 02:55 PM

Sorry, I edited it,
It's Amex

yeah, genx's reader (or iFriend) wrote an article that his AM World MC has just 1% (refer here). But it is unknown on AM VI, but should be also just 1% since both are enjoying equivalent benefits? (since their AM VI Priority is only available in VI, no master)