it is thus 1.07% for the 3x points

stil worth?

Not sure, still waiting for expert to guide. I am still not sure if this is correct:

Final amount charged = Amount in foreign currency + Admin rate (imposed by the bank, e.g. 0.5% Maybank visa) + Foreign exchange rate (imposed by visa/mastercard/amex)

My usage of my cards while I was in Australia.

Maybank2Kard Mastercard

Posting Date 06-Sep-2011
Transaction Date 05-Sep-2011

A$277.12 RM881.54 (3.181)

Posting Date 06-Sep-2011
Transaction Date 02-Sep-2011

A$29.99 RM94.44 (3.149)

Posting Date 05-Sep-2011
Transaction Date 03-Sep-2011

A$118.00 RM375.37 (3.181)


Maybank2Kard Amex

Posting Date 05-Sep-2011
Transaction Date 03-Sep-2011

A$3.48 RM11.45 (3.290)

Posting Date 05-Sep-2011
Transaction Date 03-Sep-2011

A$5.98 RM19.70 (3.294)

Posting Date 05-Sep-2011
Transaction Date 03-Sep-2011

A$25.96 RM85.55 (3.294)

Posting Date 30-Aug-2011
Transaction Date 28-Aug-2011

A$50.00 RM161.93 (3.239)

OCBC Ti MC

Transaction Date 30-Aug-2011
A$45.45 RM146.98 (3.234)

Transaction Date 31-Aug-2011
A$27.80 RM89.91 (3.234)

Transaction Date 02-Sep-2011
A$3.98 RM12.78 (3.211)

i presume you used OCBC Ti because its for dining/grocery?

Maybank2 Card Amex

Transaction date: 3/Sept/11
Posting date: 6/Sept/11

USD11.32 --> RM34.68 (3.0636)


This post has been edited by staind: Sep 7 2011, 09:44 PM

use mbb visa

I am still entitle for the 5% cash rebate for using it on weekend. I guess it is still worth to use Amex.

So which one better for buying things at UK!?thankss

VISA or MasterCard from Maybank.

Maybankard2 Amex
Transaction date : 11 Sept 2011
Posted date : 12 Sept 2011
Amount charged in foreign currency : THB370.00
Amount billed in MYR : RM37.95
Final exchange rate : THB100 = RM10.2214

Wawasansentosa rate on 11/9/11 = THB100 = RM10.15

This post has been edited by staind: Sep 13 2011, 10:53 PM

Maybankard2 Amex
Transaction date : 10 Sept 2011
Posted date : 12 Sept 2011
Amount charged in foreign currency : SGD 16.90
Amount billed in MYR : RM42.99
Final exchange rate : SGD1 = RM2.54

Wawasansentosa rate on 11/9/11 = SGD1 = RM2.46

Maybankard2 Amex
Transaction date : 10 Sept 2011
Posted date : 12 Sept 2011
Amount charged in foreign currency : SGD 57.95
Amount billed in MYR : RM147.37
Final exchange rate : SGD1= RM2.54

Wawasansentosa rate on 11/9/11 = SGD1 = RM2.46

About 3.66% for Amex transaction fees, but complimented back by 5% rebate and 5x TP

EDITED

This post has been edited by shortleg88: Sep 14 2011, 09:21 PM

typo error?
Wawasansentosa rate on 11/9/11 = THB100 = RM10.15

Final exchange rate : THB100 = RM2.54

by the way you put in the wrong colomn too very confusing when i first read your post

Let's say I purchased an item priced at HKD100.00 using MBB Visa.

On 15-Sept-2011, the amount in MYR is:

Real exchange rate is: RM39.68
http://finance.yahoo.com/currency-converte...YR;to=HKD;amt=1

Wawasan Sentosa exchange rate is: RM39.65
http://www.wawasanmoneychanger.com.my/exch...p?currentPage=2

Visa exchange rate is: RM39.589 (visa rate estimator using with a bank foreign transaction fee of 0.5% for MBB Visa)
http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp

This means that RM39.589 will appear in my card's statement, which is lower than the rates imposed by Wawasan Sentosa and real case
This is logically not possible, so what am i missing here?

Taking a step further, 1 TP = 0.5%, so after minus the treatpoint equivalent, it's RM39.391.

This post has been edited by Human Nature: Sep 16 2011, 02:37 PM

It's going to be higher than the rate quoted by VISA International, but with Maybankard VISA/MasterCard, the difference won't be much. It will be close to the rate quoted by Wawasan Sentosa.

Which one would you recommend me to use for the following scenario?

Normal item:
Maybank Visa (0.5% bank rate, 1x point)
vs
SCB Business Visa (1% bank rate, 0.5% cashback, 3x points)

Dining:
Maybank Visa (0.5% bank rate, 1x point)
vs
OCBC Ti Mastercard (1% bank rate, 5% cashback)

Thanks

Hmm... Up to you actually. I'll always use Maybank VISA overseas. Will only use MBB2 AMEX during weekend (assume i haven't maxed out the 5% cash back for that month).

I would not risk using OCBC Ti anymore as few of the cafe I went in Melb (could happen in other places too) does not reg the 5% rebate MCC. If you are 100% sure that it is in 5% category, then go ahead else I would use the Maybank Visa.

But on weekend, using the Amex still gives you more rebate despite the 2.5% charges.

Thank you for the feedback. I notice you used OCBC Ti too and it made me start thinking.

I could like to ask, I better use Maybank Cerry Debit Visa or PBB Day 2Day Visa when I go oversea? Maybank no cash rebate but they send email to me stated that no conversion fee been imposed, PBB charged 1.255% with US dollar as base currency but got 0.3% cash back.

Or I just use my HLB Credit card/ Citibank Visa?

This post has been edited by MandyG: Sep 23 2011, 07:35 PM