Credit Card- OCBC 365 Mastercard
Debit Card- Standard Chartered Jumpstart Mastercard/RHB Multi Currency Visa
Prepaid Card- Wise Visa

Among all these, my absolute favourite is SCB Jumpstart as it has absolutely zero markup from Mastercard rate and free withdrawal for foreign cash outside of Malaysia. I find this to give the best rate.

RHB Multi Currency is good too, better rate than even Wise. It is just that you need to convert MYR to foreign currency beforehand to make it worthwhile. Transactions in 16 foreign currencies have zero fees, but if you have insufficient balance in foreign currencies, it will deduct Ringgit balance and attract 1% fee.

SCB Jumpstart no need to convert anything, zero fee, it will deduct the ringgit balance at the exact mastercard exchange rate at that time.

May I know which countries you've withdraw cash out from your Jumpstart card before?

There was some fees at the ATM when withdrawing in Thailand. According to SCB, the SCB side of fees are waived but not the local banks fees. Has this been your experience as well?

Credit Card- OCBC 365 Mastercard
Debit Card- Standard Chartered Jumpstart Mastercard/RHB Multi Currency Visa
Prepaid Card- Wise Visa

Among all these, my absolute favourite is SCB Jumpstart as it has absolutely zero markup from Mastercard rate and free withdrawal for foreign cash outside of Malaysia. I find this to give the best rate.

RHB Multi Currency is good too, better rate than even Wise. It is just that you need to convert MYR to foreign currency beforehand to make it worthwhile. Transactions in 16 foreign currencies have zero fees, but if you have insufficient balance in foreign currencies, it will deduct Ringgit balance and attract 1% fee.

SCB Jumpstart no need to convert anything, zero fee, it will deduct the ringgit balance at the exact mastercard exchange rate at that time.

So SCB jumpstart debit card > Bigpay and Tng?

UK, Singapore, Indonesia. No fees

For Thailand I think, most atm still charge fees, regardless of whatever card that you use.

In my experience, yes

Can't figure out what's the difference between these 2, rates are different. It mentioned "*ONLY APPLICABLE FOR Multi Currency Account/-i DEBIT CARD HOLDER", still dk what it means .Anyone care to explain?

If you're an MCA Debit Card holder, look at the "Multi Currency Account/-i Debit Card Special Counter Rate". This is the rate that applies when I buy and sell.

But isn't it that you open A MCA with them, they automatically give you debit card? How about the left section?

OCBC 365 is no longer the best credit card for overseas usage. 1% surcharge is applied, starting from 26 August.



The alternative to that is Hong Leong I'm card. Still 0% surcharge

OCBC 365 is no longer the best credit card for overseas usage. 1% surcharge is applied, starting from 26 August.



The alternative to that is Hong Leong I'm card. Still 0% surcharge

In my previous tests a few years ago, the 'I'm Card' did impose a 1% fee, doesn't it now?

OCBC 365 is no longer the best credit card for overseas usage. 1% surcharge is applied, starting from 26 August.



The alternative to that is Hong Leong I'm card. Still 0% surcharge

No additional fee for I'm card.

1% visa/MasterCard fee is applicable to all cards, we can't run away from this

In point of fact, I've been consistently receiving a true 0% from Standard Chartered's Jumpstart, which matches the exact numbers provided on the MasterCard official website.

Scb jumpstart or Hong Leong better?