International Transactions
Transactions incurred will be converted to Ringgit Malaysia using US Dollars as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by VISA International/MasterCard Worldwide at its absolute discretion plus administration cost which is to be imposed by the card issuing bank. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
Rates are below:

Local Banks
- Maybank VISA/MasterCard : 0.5%
- Maybank American Express with Maybank logo on top : 0.5% + 2.5%
- American Express : 0.5% + 2.5%
- CIMB Bank : 1%
- Public Bank : 1.25%
- RHB Bank :
- AmBank :
- Hong Leong Bank VISA/MasterCard: 1%
- EON Bank : 1%
- Affin Bank :
- Alliance : 1%

Foreign Banks
- HSBC : 1.25%
- OCBC bank : 1%
- Standard Chartered : 1%
- UOB Bank : 1%
- Citibank : 1%

Exchange rate estimator :
http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp
Mastercard Global Forex Rates
[url=http://www.oanda.com/convert/classic?user=americanexpress]
[url=https://www.fx4you.com/australia/americanexpress/converter/convert.cfm]
Please post all your foreign transactions here so we can compare the rates. Kindly include the
- transaction date
- amount charged in foreign currency
- amount billed in MYR
- final exchange rate