You cant expect a Credit Card to be the same as a debit Card. Debit Card you are using your own Money.

no expect at all, just told him what i know

recently my dad got apply the new cimb world elite ah, zero percent foreign transaction fee they claim

will test it out

didnt realise hsbc was 1.25, but with apple pay that is my go to for years

Whilst browsing through T&C of ambank credit cards I noticed that the document is silent on the charge for foreign transactions for the following credit cards

Ambank M-card, Ambank Bonuslink, Ambank True

https://www.ambank.com.my/docs/ambankretail...vrsn=1db6b770_2

This is in contrast to 1% charge on other ambank credit cards. I was curious if it is really 0 charge or there'll actually some other hidden charges.

Applied Ambank Bonuslink card, and tried using it. Lo and behold it's really 0% charge. And yup no other charges too.

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This post has been edited by Mr Gray: Mar 12 2025, 08:46 PM

thanks for sharing.

so now confirm BL don't charge cross border fee and forex exchange fee.

you have try other ambank cards? is it the same 0%?

Thanks for your precious feedback. So far, only Bank Rakyat and Ambank's certain credit cards have zero overseas conversion rate, for credit card only, right?

Don't have other ambank cards, but ambank true and ambank m card should also have zero charge as per the T&C

anyone tried on HLB card? example HLB infinite

(i) 1% transaction fee charged by Visa or Mastercard International; and
(ii) 1% foreign exchange conversion mark-up imposed by the Bank (not applicable to Mastercard/ Visa I’m Card).

So total charge between 1-2%. HLB Infinite 2%.

long time no people update the best card for travel?

i still use the sc jumpstart debit card. any other good card which better than it? thanks

Depend on what you want. If you want to save money on foreign exchange rate, jumpstart is quite a good card. I use it for all my overseas purchases.

But if want airmiles, then sorry lo.

i use Wise Card, TNG Visa & GX Bank DC since they offer 0% forex markup.
i think their rate is among the best in town

This post has been edited by sjz: May 28 2025, 09:55 AM

Wise rates not very good Vs jumpstart.

Wise doesn’t apply a markup on forex rates, but it does charge a fee for each transaction, check it here https://wise.com/my/pricing/card-fees?sourc...GBP&track=false

the fee they charge is only about ~0.5%.
while their exchange rate is same as market rate (eg xe.com)

This post has been edited by sjz: May 29 2025, 10:48 AM

My foreign transaction is not posted yet. Is checking the available credit limit balance an accurate way to determine the final posted amount? Or will the floating value still change?

floating amt/forex still based on initial txn took place

final posting will be the most accurate as forex will fluctuate.

Anyone who actually checked would see that Wise is typically more expensive than XE.com, never the same.

This post has been edited by Steve78: Jun 1 2025, 08:13 PM

Exactly. That's why I never use wise or recommend wise.

taken into account 0.5%, yes it would be different.

else, the rate is very same as XE.com.

a very good example, as we speak now,
Wise rate RM1= 0.2066 EUR
Xe.com RM1 = 0.20664214 EUR
VISA rate 1 MYR = 0.209731 EUR
Mastercard rate 1 MYR = 0.21 EUR

This post has been edited by sjz: Jun 2 2025, 08:43 AM