I advise you use PBB instead. CIMB rate quite high, my oversea transaction always 2% while PBB always below 2%. 1.x only. Ambank also quite low rate if you have it also.

UOB YOLO also quite expensive

Yes last time i used to swipe Taobao, found really high. But since 6% CB so just let it be.
Future stick on Pbb quantum

I used UOB YOLO & PBVS for Klook same day same amount, the difference really big.. YOLO charged 2%+ and PBB is only 1.2++%

This post has been edited by mamamia: Dec 22 2017, 09:21 PM

Ok thanks. Next time I’ll do that. Appreciate it.

What would be the cheapest card for transaction rate to swipe in Singapore? I'll be there for like 4 nights..

Can I use Public Bank DEBIT CARD to swipe since many said PBB offers the lowest rate?

Is Ambank WMC still charge the lowest at 1% ?

Guys,

Just found this tread and i've been going through my previous purchases.

Found out that using CIMB Cash Rebate MC

July 12
Online purchase from UK website.
Calculated fee was 3.25%

Nov 24
Online purchase from a diff UK website.
Calculated fee was 2%

Mayban2Card VISA
May 30
1.85%

May 31st
2.4+%

I calculated based on transaction date. Is it suppose to be transaction or the posting date?
Just curious why one of it had a 3.25% rate.
Does the website/seller play a role in the rates as well?

This post has been edited by twho: Dec 29 2017, 06:55 PM

posting date

Ambank VISA Infinite:

USD 134.22
MYR 560.63
Transaction date: 30/11/2017
Posting date: 3/12/2017
Diff: 2.01%

Thanks.

So i recalculated based on posting date.

Found out that using CIMB Cash Rebate MC

Trans date - July 12
post date July 18
GBP
1.71%

Trans date - Nov 24
post date Nov 26
GBP
2%

Mayban2Card VISA

Trans date - May 30
Post date May 31
GBP
2.25%

Trans date - May 31st
Post date - June 1
GBP
2.25%

Mastercard - Transaction date
VISA - Posting date

Correct me if wrong.

visa/mastercard/amex all based on posting date

Yes, it is. basically it only charge admin fee, no forex charge.

out of curiosity, why you no use ambank WMC? hahaha... since you have VI, should got WMC too right?

I was given Visa Infinite. And after comparing, VI and WMC benefits are more or less the same.
Thinking to apply WMC soon. They doesn't come together right? If not mistaken I receive 1 card only. Unlike CIMB, the 2 cards are together.

Standard Chartered Cashback Master:

USD 134.22
MYR 557.25
Transaction date: 31/12/2017
Diff: 2.2%

Hi all,
Like to ask all sifus which card is more suitable to use in oversea. They all are cashback card.
1. HLB Essential Visa
2. Maybank FCB Visa
3. UOB One Visa
4. OCBC Titanium Master

so, using credit card is cheaper than using cash, or cash is cheaper. taking into account money changer loss, and credit card forex charges?

Which one cheaper????

My mindset always cash is cheaper than credit card. However, in some scenarios like hotel booking, it is not so convenient to bring lots of cash to pay the cashier at the hotel.

AEON Visa Gold:

JPY 4535
MYR 167.22
Transaction date: 9/12/2017
Posting date: 12/12/2017
Diff: 2.00%