basically all three cards charging rate is very similar. However, it is upto the extra benefits you will gain from those cards. for instance, if you are having citibank rewards signature or UOB visa infinite, then you can gain 5x points from overseas currency spending.

typically no "extra" different charges on weekend, just their posting date will be on later.

hope this helps.

ambank WMC only has 1% bank charge, no forex charge. best of all in terms of charges

if is bigpay equivalent, basically you are making a topup transaction, making it a prepaid card. so that would be the reason why no additional charges.

no. is still 2.50%

just AMEX method is any forex are to converted to USD prior exchange to MYR. the 2.50% is charged on the conversion USD to MYR.

yeah, usually if one using M2CPremier, they will use VISA INFINITE for overseas spending, slight lower forex rate.

afterall, CB with amex is just max RM50....

almost all CC charge around 2.25% to 2.5%.... unless you go for AmBank WMC which is just 1%, but for mile point can't fight with M2CP.

what you are looking at? cheapest forex exchange rate? BigPay then. if you are looking for considerably highest miles point with lowest forex rate charges, AmBank WMC. but if u are to collect all airmiles points together in same card, then definitely M2CP.

if you are looking for lowest forex rate, bigpay be it

is it a must to use local credit cards? if lowest, big pay prepaid mastercard no extra, then use any credit card load into it... hahaha....

but if u want a good credit card with points collection, lowest forex charge is ambank WMC

it is not lowest exchange, it has lowest charges. it only has 1% admin fee, and no other charges on the forex (usually ~1.5% by others).

if you want lowest, bigpay, 0%. lol

I have been using this card if the value is pretty significant.

btw, bare in mind, online foreign currency is not entitled 5x points for this card. and also, its free lounge access (with condition) could be a plus point.

This post has been edited by ProxMatoR: Apr 24 2019, 01:24 AM

and some bank charge DCC... eg citibank.......

is your card issuer local bank or international bank?

local bank usually need you to call to activate overseas spending for precaution purpose.

international bank usually activated as default

this nothing to do with mastercard or visa tho

but 1% cashback is pretty pathetic... there are better rewards (even with redeem vouchers)

bill the currency listed

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.

forex charge and admin charge, total 2.25