Aeon watami
Transaction Date: 26-Jun-2015
Posting Date: 28-Jun-2015
Transaction amount: JPY 13902
Amount charged: RM429.69
visa rate : 1000 JPY = 30.603 MYR (28 Jun Visa USA)
Effective rate: 1000 JPY = 30.9085MYR
Difference: 0.9982%

Anyone can recommend card to use for transcation in usd?

Priority banking/primer wealth/visa signature/visa infinite all out of question.

Annual income around rm36k.

RHB Travel Money
Transaction Date: 27/06/2015
Posting Date: 29/06/2015
Transaction amount: ￥10,741
Amount charged: RM335.31
visa rate : 1000 JPY = 30.603 MYR (29 Jun Visa USA)
Effective rate: 1000 JPY = 32.033MYR
Difference: (335.31 - 328.706823) / 328.706823 = 2.00 %

This post has been edited by kenjixx: Jul 1 2015, 12:39 PM

You can check for few latest post to see the bank fee different.

Lower is better. So far Aeon watami is a good card

Name Of Credit Card	Maybank 2 Cards Mastercard
Transaction Date	27 June 2015
Posting Date	30 June 2015
Amount charged in SGD	5
Amount billed in MYR	14.25
Bank rate	0.350877
Mastercard rate	0.356281
fee	1.02%

This post has been edited by vincentxiang: Jul 3 2015, 05:57 AM

Name Of Credit Card	Maybank 2 Cards Amex
Transaction Date	26 June 2015
Posting Date	27 June 2015
Amount charged in US$	1.95
Amount billed in MYR	7.52
Bank rate	0.25931
OANDA rate	0.26469
fee	2.07%

Name Of Credit Card	Maybank 2 Cards Mastercard
Transaction Date	3 Jul 2015
Posting Date	6 Jul 2015
Amount charged in SGD	6
Amount billed in MYR	17.1
Bank rate	0.350877
Mastercard rate	0.354863
fee	1.14%

This post has been edited by vincentxiang: Jul 11 2015, 09:19 AM

hi all,

want to ask which card are better to use at philippines

Maybank 2 gold visa, Amex
OCBC Titanium
Standard Chartered 360 rewards Platinum.

Thanks

Hi,

Want to know how you guys get the calculation for the cards?

Maybank Visa Infinite

transaction date: 07-Jul-2015
amount: SGD 39.71
amount charged: RM 114.79
bank rate: 2.8907 posted date: 09-Jul-2015
visa rate: 2.827021
fee: 2.252%

transaction date: 07-Jul-2015
amount: SGD 64.80
amount charged: RM 187.54
bank rate: 2.8941 posted date: 08-Jul-2015
visa rate: 2.833361
fee: 2.143%

transaction date: 07-Jul-2015
amount: SGD 111.50
amount charged: RM 322.69
bank rate: 2.8941 posted date: 08-Jul-2015
visa rate: 2.833361
fee: 2.143%

transaction date: 05-Jul-2015
amount: SGD 111.50
amount charged: RM 321.12
bank rate: 2.8800 posted date: 06-Jul-2015
visa rate: 2.816422
fee: 2.25%


to those who wanna use MBB 2card Premier in Singapore, Amex Reserve +-3.00% , Visa Infinite +-2.25%.

This post has been edited by genkis3: Jul 11 2015, 06:47 PM

for me, calculate the differentiate between bank and visa rate, then divide by visa rate.

example

amount: SGD 39.71

amount charged: RM 114.79

114.79 /39.71 = 2.8907 <<<< bank rate

bank rate: 2.8907 posted date: 09-Jul-2015

visa rate: 2.827021 <<<< go check visa currency rate on posted date 09-Jul-2015

fee: 2.252% <<<< (2.8907 - 2.827021 / 2.827021)

pls correct me if im wrong

Transation date: JUL06
Merchat name: aliexpress

Maybank Visa
Amount : USD1.52
Amount charges : RM5.92

Alliance Visa
Amount : USD1.32
Amount charges : RM5.08

USD1=RM3.82

Alliancebank have a lower convertion rate compare with Maybank.

Transaction Type	MBB 2Cards AMEX
Transaction Date	11 July 2015
Posting Date	12 July 2015
Amount charged in foreign currency	USD 12.79
Amount billed in MYR	MYR 49.82
Bank rate	0.2567
OANDA Rate	0.26396
Fee	2.83%

This post has been edited by screwedpeep: Jul 13 2015, 10:51 PM

Transaction Type	MBB 2Cards AMEX
Transaction Date	13 July 2015
Posting Date	15 July 2015
Transaction amount	US$97.04
Amount charged	RM378.92
rate	0.26380
Effective rate	0.2560
Difference	(378.92 - 367.859) / 367.859 =3.00%

ouch...

This post has been edited by kenjixx: Jul 17 2015, 01:21 AM

To test out my new card exchange rate. Good rate and thanks to Gen-X recommendation
AmBank World Master

POSTING DATE	TRANSACTION DATE	MYR AMOUNT	FOREIGN CURRENCY	BANK RATE	OANDA RATE	Vs OANDA	MasterCard RATE	Vs MasterCard
12/7/2015	10/7/2015	RM21.03	THB 185.00	8.79696	8.97187	1.950%	8.87820	0.915%
12/7/2015	10/7/2015	RM56.20	THB 494.00	8.79004	8.97187	2.03%	8.87820	0.993%

Starbucks´banker seem impose higher rate. Or maybe because different hour

MBB two card premier conversion is freaking high, seems like MasterCard provide better conversion

Public Bank Visa Signature
Transaction Date: 23/06/2015
Transaction amount: USD199
Amount charged: RM756.91
visa rate : USD1=RM3.744
Effective rate: USD1=RM3.804
Difference: 1.6%

Please forgive me that I'm not using the prescribed format and did not compare to Oanda or Visa official rates. I recently traveled to Europe for 2 weeks and used quite a number of credit cards. When I compare the actual rate for the different cards on the same transaction date, this is the ranking I got:

In the order of best rates to worst rates:
1. Public Visa Infinite
2. HSBC Visa Signature
3. Maybank Visa Infinite
4. Citibank Premiermiles Visa Signature
5. Maybank Amex Reserve

The variance between 1. and 2. is almost 1% while 2&3 is very close to each other, 4. is rather close to 5

Name Of Credit Card	Maybank 2 Cards Amex
Transaction Date	25 July 2015
Posting Date	26 July 2015
Amount charged in SGD	108.6
Amount billed in MYR	310.77
Bank rate	0.34945
OANDA rate	0.35969
fee	2.93%

Name Of Credit Card	Maybank 2 Cards Amex
Transaction Date	22 July 2015
Posting Date	23 July 2015
Amount charged in USD	1.95
Amount billed in MYR	7.62
Bank rate	0.25591
OANDA rate	0.26316
fee	2.83%

i've purposely used both MBB 2 premier amex & visa in gallery lafayette last week. Both transaction in same date and same posting date.

Maybank Visa Infinite
transaction date: 22/07/15
posted date: 23/07/15
amount: EU 108.42
amount charged: MYR 463.55
bank rate: 4.2755
visa rate: 4.1793
fee: 2.30%

Maybank Amex Reserve
transaction date: 22/07/15
posted date: 23/07/15
amount: EU 245.00
amount charged: MYR 1046.52
bank rate: 4.2715
oanda rate: 4.1447
fee: 3.05%

from here u see the amex reserve charge higher fee at 3.05%. visa infinite just 2.30%
but the amex bank rate is lower at 4.2715 , compare to visa bank rate 4.2755
at the end u get cheaper by using amex, even with higher bank fee.
suspect because of oanda rate is too low...

good day guys, so i was preparing for US working trip soon and found out about this foreign transaction charges and got myself a bit mindfk

please enlighten me as MYR - US is pretty bad currently.

i got to know from MBB customer service, my amex/visa admin charges are 2.5 and 2.25% respectively.
then OCBC 1%

but when i read thru the pages here, i noticed that most of the ppl use MBB ? is there something i don't see here?

i just have below card, so if you can help me decide which one to use and which one prepare for emergency only thank you!
1. OCBC (Master and Visa)
2. MBB (Visa and Amex)