Maybankard2 Master
Transaction date : 01-Apr-2012
Posted date : 03-Apr-2012
Amount charged in foreign currency : TWD12,920
Amount billed in MYR : RM1,349.09
Final exchange rate : TWD100 = RM 10.4418

I just bought NTD today. RM10.73=NTD100. Was RM10.55=NTD100 just two weeks ago

Maybankard2 Amex
Transaction date : 11-Apr-2012
Posted date : 13-Apr-2012
Amount charged in foreign currency : USD80
Amount billed in MYR : RM251.53
Final exchange rate : USD1=RM3.1441

Maybankard2 Amex
Transaction date : 11-Apr-2012
Posted date : 13-Apr-2012
Amount charged in foreign currency : USD6
Amount billed in MYR : RM18.86
Final exchange rate : USD1=RM3.1433

From the above seems like the exchange rate is different for the same card on the same day on same currency - USD

================================

Maybankard2 Visa
Transaction date : 11-Apr-2012
Posted date : 13-Apr-2012
Amount charged in foreign currency : KRW48450
Amount billed in MYR : RM132.62
Final exchange rate : KRW1000=RM2.7373

SCB JustOne Titanium Master
Transaction date : 11-Apr-2012
Posted date : 13-Apr-2012
Amount charged in foreign currency : KRW12,000
Amount billed in MYR : RM32.96
Final exchange rate : KRW1000=RM2.7467

Forex rate from Al-Rajhi counter at KLIA on 08-Apr-2012 : KRW10,000 = RM33.00; worst than both the cards above

Normally Master rate is better than Visa rate, but SCB admin charges is higher than MBB. So I guess the best forex rate can be obtained through MBB Master. But for MBB, are there any difference for the rates between different MasterCard - Gold, Platinum, M2 Platinum, World?

This post has been edited by alexwsk: Apr 22 2012, 11:53 PM

I posted in 2009 in my blog that for my AMEX card, I did 3 transactions at Universal Studios LA minutes apart (because of some discount thingy for certain amount if not mistaken) and all 3 transactions different rates.

i wonder if amex is using live forex by minutes

Maybankard2 VISA
Transaction date : 14 April 2012
Posted date : 15 April 2012
Amount charged in foreign currency : KRW71,300
Amount billed in MYR : RM195.07
Final exchange rate : KRW1,000 = RM2.7359

Maybankard2 VISA
Transaction date : 14 April 2012
Posted date : 15 April 2012
Amount charged in foreign currency : KRW31,600
Amount billed in MYR : RM86.45
Final exchange rate : KRW1,000 = RM2.7358

Maybankard2 VISA
Transaction date : 16 April 2012
Posted date : 17 April 2012
Amount charged in foreign currency : KRW40,000
Amount billed in MYR : RM109.64
Final exchange rate : KRW1,000 = RM2.741

Maybankard2 VISA
Transaction date : 17 April 2012
Posted date : 18 April 2012
Amount charged in foreign currency : KRW13,000
Amount billed in MYR : RM35.61
Final exchange rate : KRW1,000 = RM2.7392

Maybankard2 VISA
Transaction date : 17 April 2012
Posted date : 19 April 2012
Amount charged in foreign currency : KRW9,900
Amount billed in MYR : RM27.14
Final exchange rate : KRW1,000 = RM2.7414

Maybankard2 VISA
Transaction date : 17 April 2012
Posted date : 19 April 2012
Amount charged in foreign currency : KRW11,100
Amount billed in MYR : RM30.43
Final exchange rate : KRW1,000 = RM2.7414

Maybankard2 VISA
Transaction date : 20 April 2012
Posted date : 21 April 2012
Amount charged in foreign currency : TWD324.00
Amount billed in MYR : RM34.06
Final exchange rate : TWD100 = RM10.5123

Standard Chartered VISA
Transaction date : 23 April 2012
Posted date : 23 April 2012
Amount charged in foreign currency : USD 4.99
Amount billed in MYR : MYR15.62


Standard Chartered VISA
Transaction date : 24 April 2012
Posted date : 24 April 2012
Amount charged in foreign currency : USD 1.99
Amount billed in MYR : MYR6.23

Maybankard 2 Visa
Transaction date : 9/5/12 - SMS alert on 8/5/12
Posted date : 10/5/12
Amount charged in foreign currency : AUS200
Amount billed in MYR : RM628.23
Rate = 3.14115

Actual rate on 10/5/12: 3.0889

Exchange rate posted in Visa Exchange Rate Tools:
3.102324 (if bank fee 0%)
3.117836 (if bank fee 0.5%)
3.133347 (if bank fee 1%)
3.148859 (if bank fee 1.5%)

I got a lousy rate?

That's quite a competitive rate, in my opinion as most money changers were selling AUD around that figure too yesterday.

yeah, money changers in Melaka was selling ~3.145

add: maybank visa fee is between 1.0 to 1.5% now, not 0.5% anymore. I wonder if other banks are having the same increase too.

This post has been edited by Human Nature: May 11 2012, 12:20 PM

i've linked Maybank Visa Petronas and MBB 2Amex card to paypal account. payment is around 200usd. which should i use? Amex with 5%rebate 5xTP?

If you have not used up your weekend 5% rebate, then MBB2 AMEX is the card you should use. Do charge to your card after 2pm today. Any transaction done through Paypal before 2pm today will be recorded as transaction made on Friday.

thanks for your reply, so even with 2.5%+0.5% charges, benefits of Amex will offset the Visa? noob in this

*din know it should be done after 2pm, i thought weekend rebate starts from 00.01am onwards. thanks for letting me know..luckily haven pay

Yes. Provided you can get 5% off all your USD200


This is because it follows Paypal's USA HQ time. So you have to do it at 2pm or after. Just to be safe, do it after 2pm

Maybank Petronas Visa

Posting Date Transaction Date
12-May-2012 10-May-2012 PAYPAL US US$84.10 RM261.54

Visa Forex Rate @ 10- May = 1 United States Dollar = 3.071000 Malaysian Ringgit

So, bank Charges is = 1.265%


14-May-2012 13-May-2012 PAYPAL US$63.00 RM195.91
Visa Forex Rate @ 13 May = 1 United States Dollar = 3.071500 Malaysian Ringgit

So, bank Charges is = 1.243%

MBB 2 AMEX

Posting date Transaction date Description Foreign currency Local currency Actual Conversion Bank Charges
DebitCredit Debit Credit
15-May-2012 14-May-2012 PAYPAL US$70.61 RM222.54 (1 US Dollar = 3.07518 Malaysian Ringgit) 2.48%
15-May-2012 13-May-2012 PAYPAL US$51.90 RM163.58 (1 US Dollar = 3.07517 Malaysian Ringgit) 2.49%
15-May-2012 13-May-2012 PAYPAL US$91.00 RM286.81 (1 US Dollar = 3.07517 Malaysian Ringgit) 2.49%

This post has been edited by kucingfight: May 16 2012, 01:51 PM

Maybankard VISA
Transaction date: 02 May 2012
Posting date: 02 May 2012
Amount: nzd$444
Amount being charged: RM1113.62
Rate: 2.5081

Hlb debit card MasterCard
Transaction date: 02 May 2012
Posting date: 02 May 2012
Amount: nzd$37.32
Amount being charged: RM 93.84
Rate: 2.5144

This post has been edited by yiyibrowers: Jun 10 2012, 04:56 PM

Japan - My cash exchange:
Somewhere between 17 or 18 May
YEN: 157,000
MYR: 5,981.70
Exchange Rate: 38.10

But during my trip in Japan from 22 May - 1 June, exchange had raised to over 40. So basically I lose out by using card.
Still got YEN10,000 which based on FX increased, earned around RM20. But not planning to change, leave for next trip in the future.

Citibank Premier Miles
Transaction date : 24 May 2012
Posted date : 26 May 2012
Amount charged in foreign currency : YEN18,500
Amount billed in MYR : RM747.88
Final exchange rate : 40.42595

Citibank Premier Miles
Transaction date : 24 May 2012
Posted date : 29 May 2012
Amount charged in foreign currency : YEN7,798
Amount billed in MYR : RM315.24
Final exchange rate : 40.424575

Citibank Premier Miles
Transaction date : 25 May 2012
Posted date : 29 May 2012
Amount charged in foreign currency : YEN3,460
Amount billed in MYR : RM139.87
Final exchange rate : 40.42485

Citibank Premier Miles
Transaction date : 26 May 2012
Posted date : 28 May 2012
Amount charged in foreign currency : YEN12,768
Amount billed in MYR : RM516.16
Final exchange rate : 40.426

Citibank Premier Miles
Transaction date : 26 May 2012
Posted date : 29 May 2012
Amount charged in foreign currency : YEN22,793
Amount billed in MYR : RM921.43
Final exchange rate : 40.426


Still puzzled on how the exchange rate was charged. Be it Transaction date or Posting date, also can't seem to reconcile. Or was it based on actual time it got (1)Transacted OR (2)Posted?!....
Seems to me more towards transactions date instead of posting. Because looks more closer.

This post has been edited by b00n: Jun 11 2012, 01:57 PM

I called Citibank to confirm about this again just two weeks ago and three different CS told me it is based on posting date.

Logically it should be based on posting date. But if you look at my statement.... very weird. Should I call and ask them to explain?...

Hi guys,

I need advice. I plan to get a credit card mainly for overseas online transaction. From the first post, it stated that Maybank has the lowest admin charge of 0.5%

However the previous pages showed that the charges are now around 1%.

Should I continue to get Maybank CC? Did the admin charge increase?

Thanks!