I asked the OCBC credit card employee that was handling my credit card application regarding this markup fee and she confirmed that this is applicable to OCBC TMC too.

going to charge around USD460 x 2 to pay for India tour + USD105 x 2 for visa.

is reloading Bigpay with UOB Yolo then pay with Bigpay still the best option, even if compared with Maybank Amex 5% weekend cashback across 2 months(RM100 cashback)?

Other CCs I have are Citibank Premier Miles and HSBC Amanah Mpower and Visa Signature.

[ pls inform me if there is a thread on PayPal. ]
I know some of you purchase a lot of products via PayPal payment.

What is the best selection in the attached picture for lower FX rates ?

bill the currency listed

if my calculation is right, assuming 1 USD = 4.18 MYR:

If I charge USD460 to Amex Card:-
USD460 x 4.18 x 1.005 x 1.025 - RM50 cashback = RM1930.724

If I charge USD460 to BigPay:-
USD460 x 4.18 = RM1922.80

So UOB YOLO + BigPay should be the winner here, even without considering the online cashback on UOB YOLO card

However, for USD82 visa fee, Amex is the winner as:

Amex
USD82 x 4.18 x 1.005 x 1.025 - RM17.65 cashback = RM335.435

BigPay
USD82 x 4.18 = RM342.76(without deducting possible 8% cashback for online transactions for UOB YOLO card)

This post has been edited by comme_play: Aug 22 2019, 12:03 AM

MilesAndMore OCBC has increased to 1.25%, except for the cards listed.

Thank you for confirming that

I just checked my last OCBC credit card statement and it suggests that the OCBC Titanium MasterCard also has an administration fee of 1.25% for payment made in foreign currency.

that's odd... quite contradictory to the TnC

Are you sure reloading YOLO to BP will entitle CB?

I think so, the tnc didnt specifically said e-wallet or prepaid card reload are excluded unless they are categorised as financial services transactions.
https://www.uob.com.my/web-resources/person...olo-tnc-eng.pdf

But i dont plan to count on it as it wasnt guaranteed and recently the cash rebate i got has been very little. on top of that, my plan to top up ~RM3800 to pay for the tour would have maxed out the cashback already(if any)

This post has been edited by comme_play: Aug 22 2019, 12:12 AM

i used bank rakyat CC

usd 2.99 - 12.49
usd 450 - 1,823.08
usd 435 - 1,880.48

can help me calculate the rate? compared to you guys punya card how?

the rate was on the 21 Aug 2019.

This post has been edited by blackseed202: Aug 27 2019, 06:46 PM

1. check VISA / MASTERCARD exchange rate based on posting date of your transaction. link on first post.

2. use 0% as charges. get that rate and compare with charged amount.

there u go, rate is calculated.

thanks

i think bank rakyat used the mastercard currency rate without any extra fees. only the 435usd amount was different supposedly 1817.90


the 2.99 and 450usd charged was exact.

is it any good? i think bank rakyat has points as well. 1% possibly.

i thought mbb visa fee is 1% but CS said 2.25% while mbb amex 2.5%

forex charge and admin charge, total 2.25

Just used PBB VS the other day and the rates are 2.12%.
USD 445 - MYR1,901.91

On the visa website, it's the below for 0%:
USD 445 - MYR1,862.361045

• 2% Cash MegaBonus for overseas retail purchases

PBVI has the above feature. I’ve confirmed with CS that it’s applicable for online purchase with foreign currency.

So I think it’s more or less same rate if I use either PBVI or BP.

-removed-

This post has been edited by Ladszy: Oct 21 2019, 10:36 PM

Want to buy something at Singapore. Wonder use Bigpay cheaper or credit card?

if XE.com shows 1SGD=RM3.05, mean 3.05 or need 1% for Master rate?