Hi all, will be going to japan next month, would like to know which card is better to use in oversea.

Currently holding:
Ambank platinum master
Ocbc titanium master
Maybank 2 card amex and visa

May i know if debit card has same exchange rate and processing fees as cc? I do have sg cc too, just not sure which has the lowest charged fees. I dont have signature card so can ignore mile points and rebates

Thanks first

OCBC GE Mastercard
Transaction date: 27/09/15
Amount: THB 420
Amount charged: MYR 52.28
Master rate: 0.12157
Actual rate: 0.12448
Fee: 2.34%


Mach Visa Credit Card
Transaction date: 27/09/15
Amount: THB 292
Amount charged: MYR 36.53
Visa rate: 0.1218
Actual rate: 0.1251
Fee: 2.64%

I suggest AEON Credit Card

Going to japan next month, holding few cards on hand
1. Public Bank VS
2. Aeon Watami (the cash back quota will be max by my insurance), but read the forum, it has cheapest fee?
3. Maybank 2 card
4. Citibank Business Platinum Card (2% oversea hotel and dining, 1% off other retail - i rarely use this card though.. anyone tested it oversea?)

dear all sifu, which one is my best option if i wanna to swipe it oversea?

sorry abit off topic here, i heard oversea ATM withdrawal always give better rate compare to our local money exchange right?

http://www.cimbbank.com.my/en/personal/ban...l-currency.html

use this link to change usd or euro for better rate if you are not in kl or u don have time to go shopping mall before ur trip to oversea.

the rate they offer is quite low compare to many place. hope that my info is not wrong

AEON Gold Visa
Transaction date: 5/10/15
Amount: JPY 1300
Amount charged: MYR 47.81
Actual rate: 3.677

CIMB World Mastercard
Transaction date: 5/10/15
Amount: JPY 1984
Amount charged: MYR 70.80
Actual rate: 3.569

AEON Gold Visa
Transaction date: 5/10/15
Amount: JPY 1029
Amount charged: MYR 37.84
Actual rate: 3.677

CIMB VISA Signature
Transaction date: 6/10/15
Amount: JPY 1360
Amount charged: MYR 49.89
Actual rate: 3.668

AEON Gold Visa
Transaction date: 7/10/15
Amount: JPY 662
Amount charged: MYR 24.35
Actual rate: 3.678

AEON Gold Visa
Transaction date: 7/10/15
Amount: JPY 1444
Amount charged: MYR 53.10
Actual rate: 3.678

CIMB VISA Signature
Transaction date: 10/10/15
Amount: JPY 17672
Amount charged: MYR 633.25
Actual rate: 3.583

Looks like CIMB is better to use in Japan than AEON, despite AEON hailing from that part of the world. CIMB World Mastercard transaction was posted 10 days after the purchase, which was too late for me to make a comparison otherwise would have used it all the way :'(

how to check the rate charged by AMEX?

Transcation date: 17 Oct 2015
Currency: USD

AEON WATAMI VISA - 4.3991
MBB AMEX RESERVE - 4.2610

Name Of Credit Card	Public Islamic Bank Visa Platinum Credit Card-i
Transaction Date	14 Oct 2015
Posting Date	16 Oct 2015
Amount billed in MYR	433.02
Amount charged in HKD	792
Bank rate	0.546742
Visa rate	0.539982
fee	1.25%

Name Of Credit Card	Public Islamic Bank Visa Platinum Credit Card-i
Transaction Date	16 Oct 2015
Posting Date	17 Oct 2015
Amount billed in MYR	180.72
Amount charged in HKD	330
Bank rate	0.547636
Visa rate	0.540886
fee	1.25%

Name Of Credit Card	Public Islamic Bank Visa Platinum Credit Card-i
Transaction Date	18 Oct 2015
Posting Date	19 Oct 2015
Amount billed in MYR	309.97
Amount charged in HKD	566
Bank rate	0.547650
Visa rate	0.540886
fee	1.25%

Name Of Credit Card	Public Islamic Bank Visa Platinum Credit Card-i
Transaction Date	19 Oct 2015
Posting Date	20 Oct 2015
Amount billed in MYR	570.01
Amount charged in Macau MOP	1062
Bank rate	0.536733
Visa rate	0.530108
fee	1.25%

Name Of Credit Card	Public Islamic Bank Visa Platinum Credit Card-i
Transaction Date	19 Oct 2015
Posting Date	20 Oct 2015
Amount billed in MYR	1738.2
Amount charged in HKD	3147
Bank rate	0.552336
Visa rate	0.545518
fee	1.25%

Name Of Credit Card	Public Islamic Bank Visa Platinum Credit Card-i
Transaction Date	22 Oct 2015
Posting Date	23 Oct 2015
Amount billed in MYR	247.46
Amount charged in HKD	440
Bank rate	0.562409
Visa rate	0.555459
fee	1.25%

This post has been edited by vincentxiang: Oct 24 2015, 05:09 AM

I was on the phone with MBB staff, and asked about foreign transactions with CC.
The info was for VISA/MC, its 2.25% inclusive of MBB and CC charges, where as AMEX is 2.5% with 0% MBB charges.

And the forex used was the one in their website, not the visa/mc/amex website.

The second part sounds odd, is dat true?

HSBC AMANAH M-POWER
Transaction date: 23/10/15
Amount: USD113.49
Amount charged: MYR 496.34
Actual rate: 4.304570

fee = 1.6%

do we refer the VISA rate for transaction date or posting date to do calculation ?

Transaction Type	Aeon Watami
Transaction Date	02/11/2015
Posting Date	04/11/2015
Transaction amount	JPY2205
Amount charged	RM81.09
rate	0.03677
visa rate	0.035915
Difference	(81.09 - 79.192575) / 79.192575 =2.39%

Aeon Watami
Transaction date: 13/10/15
Amount: EUR 106
Amount charged: MYR 522.96
Actual rate: 4.7649241737

fee = 3.54%

Aeon Watami
Transaction date: 1/11/15
Amount: EUR 100
Amount charged: MYR 493.36
Actual rate: 4.7241071163

fee = 4.43%

Transaction Type	RHB Travel Money
Transaction Date	02/11/2015
Posting Date	05/11/2015
Transaction amount	JPY10539
Amount charged	RM380.79
rate	0.03613
visa rate	0.035915
Difference	(380.79 - 378.508185) / 378.508185 =0.602%

Transaction Type	Aeon Watami
Transaction Date	05/11/2015
Posting Date	08/11/2015
Transaction amount	JPY6200
Amount charged	RM228.01
rate	0.03677
visa rate	0.035420
Difference	(228.01 - 219.604) / 219.604 =3.83%

Name Of Credit Card	MBB VS
Transaction Date	30 Oct 2015
Posting Date	31 Oct 2015
Amount billed in MYR	209.80
Amount charged in USD	47.5
Bank rate	-
Visa rate	4.319568
fee	2.25%

Name Of Credit Card	MBB VS
Transaction Date	03 Nov 2015
Posting Date	05 Nov 2015
Amount billed in MYR	378.62
Amount charged in USD	86.4
Bank rate	-
Visa rate	4.285571
fee	2.25%

Name Of Credit Card	MBB VS
Transaction Date	05 Nov 2015
Posting Date	06 Nov 2015
Amount billed in MYR	739.87
Amount charged in USD	167.72
Bank rate	-
Visa rate	4.314069
fee	2.25%

Name Of Credit Card UOB VOX CARD
Transaction Date 06 NOV 2015
Posting Date 06 NOV 2015
Amount billed in MYR 499.78
Amount charged in CNY 718.73
Bank rate -
Visa rate 0.680263
fee 2.22%

It seem the AEON WATAMI exchange is no longer favorable

Going to japan soon..
called up citibank about the transaction charges, they say 2.5% (1% by visa and 1.5% by bank)...

called up public bank, the CS say 1.25% which seem proved by vincentxiang..
aeon watami seem no longer have the least charges =/