Using cc to pay for hotels overseas will incur around 1-3 percent administration fee on top of the exchange rate?

Looks like I get a lousy rate for Aeon Watami this time


This post has been edited by Human Nature: Dec 7 2014, 12:07 PM

Indeed a bad rate wih AEON WATAMI.... I used mine and had wonderful rate
I assume you calculate based on Posting Date (that's what I used)

Yup, posting date. Luck is not on my side this time. Probably because both MYR and YEN are fluctuating during the period.

Nope. Days of too-good-to-be-true watami forex rates are over. My recent rupiah transaction was 1.85% extra

Bad news....have to depend on the 3% cash back and luckily getting 2x points for overseas trx.

wondering how can i count these exchange rate you guys saying

for instance i buy something on amazon jp..and got charge with USD instead..wondering which cc i should use in this case for little bit cheaper. previously i used OCBC titanium shits..and i have 1 citibank cc as well. not sure which one to use

Aeon Watami
Transaction Date: 27-Nov-2014
Posting Date: 19-Dec-2014
Transaction amount: JPY 67500
Amount charged: RM2009.15
Effective rate: 1JPY = 0.029765
VISA rate 1 JPY = 0.029471 MYR (19 Dec 2014)

bank charge = 0.9976%

This posting sure take quite some time

This post has been edited by edwardccg: Dec 25 2014, 01:00 AM

why the posting date be aug but transact on nov?
the posting could be ealier than transaction date?

This post has been edited by edwardccg: Dec 25 2014, 01:02 AM

sorry , noob here... so what does this mean? Meaning is it good to use this card for overseas spend?

Should be typo errorY

it's all nov sorry i copied paste

Maybankard 2 Amex
Transaction Date: 26-Dec-2014
Posting Date: 27-Dec-2014
Transaction amount: A$130.00
Amount charged: RM378.78
Effective rate: 105.589 US Dollar = 369.215 Malaysian Ringgit
Difference - 2.62%

Transaction Date: 27-Dec-2014
Posting Date: 29-Dec-2014
Transaction amount: A$59.98
Amount charged: RM174.74
Effective rate: 48.74155 US Dollar = 170.308 Malaysian Ringgit
Difference - 2.6%

made a transaction with my Maybank 2 visa on 30 dec..
until now it still hasn't shown in maybank2u... o.o

it will appear one day...once, mine appeared after 3 weeks

noob here, as per xe.com, 30.00 USD=106.558 MYR

so if I use my Citi CC, what is the total amount they will charge? 1% from 106.558 MYR?

Public Bank Visa Signature
Transaction Date: 1-Jan-2014
Posting Date: 2-Jan-2014
Transaction amount: GBP27
Amount charged: RM149.33
Effective rate: 1 British Pound = 5.462431 Malaysian Ringgit
Difference - 1.25%

This post has been edited by DarReNz: Jan 8 2015, 09:59 PM

Aeon Watami Classic
Transaction Date: 27-Dec-2014
Posting Date: 29-Dec-2014
Transaction amount: AUD213.94
Amount charged: RM615.61
Effective rate: 1 Australian Dollar = 2.849008 Malaysian Ringgit
Difference - 1%

Aeon Watami Classic
Transaction Date: 27-Dec-2014
Posting Date: 28-Dec-2014
Transaction amount: AUD7.50
Amount charged: RM21.58
Effective rate: 1 Australian Dollar = 2.849008 Malaysian Ringgit
Difference - 1%

Hi. I would like to ask ....when I buy things from overseas (US), they did ask me whether want to transact in US dollar or RM. Which one should I choose? Or both are same?

experience said choose USD