International Transactions
Transactions incurred will be converted to Ringgit Malaysia using US Dollars as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by VISA International/MasterCard Worldwide at its absolute discretion plus administration cost which is to be imposed by the card issuing bank. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
Rates are below:

Local Banks
- Maybank VISA/MasterCard : 1%
- Maybank American Express with Maybank logo on top : 2.5%
- American Express : 0.5% + 2.5%
- CIMB Bank : 1%
- Public Bank : 1.25%
- RHB Bank :
- AmBank :
- Hong Leong Bank VISA/MasterCard: 1%
- EON Bank : 1%
- Affin Bank :
- Alliance : 1%

Foreign Banks
- HSBC : 1.25%
- OCBC bank : 1%
- Standard Chartered : 1%
- UOB Bank : 1%
- Citibank : 1%

Exchange rate estimator :
http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp
Mastercard Global Forex Rates
[url=http://www.oanda.com/convert/classic?user=americanexpress]
[url=https://www.fx4you.com/australia/americanexpress/converter/convert.cfm]


Please post all your foreign transactions here so we can compare the rates. Kindly include the
- transaction date
- amount charged in foreign currency
- amount billed in MYR
- final exchange rate


From users posted rate by various credit card issuers
This post has been edited by MilesAndMore: Mar 29 2017, 04:48 PM

know from many senior here that MBB Visa/Master is lowest

Would be great if someone can use the Standard Chartered VISA Infinite and Maybankard 2 American Express on the same day so we can see which one is giving better rate for foreign transaction, preferably on weekdays (so we don't have to factor in the MBB2 AMEX weekend 5% rebate when making a conclusion).

SC Visa CC: 16/4/11: EUR 1,368.57 MYR 6,108.90

This post has been edited by francistcc: Apr 21 2011, 08:52 PM

Forgot that i also bought something online just a few days ago and was charged in USD. Anyway, here you go.

Maybank
17 Feb 2011
- USD44 > RM134.74 (HKD1 = RM3.0623)

**Wawasan Sentosa's HKD rate on 17/2/2011 was USD1 = RM??

By the way, the payment was actually made on 18/2/2011 (Malaysia) but the transaction date is recorded as 17/2/2011 in Maybank's system. Paypal is a company based in California and 15 hours behind Malaysia.

Thanks for the Visa converter link.

However I feel that we all must use the same reference for comparison purposes e.g. wawasan sentosa or BNM.

This post has been edited by Gen-X: Apr 22 2011, 07:57 AM

-deleted-

This post has been edited by simplesmile: Apr 24 2011, 09:40 PM

anyone can tell me whether use SCB business plat visa CC or Maybank 2kard visa CC to do online transaction in USD has better exchange rate? consider that SCB give 3x point for oversea transaction + 0.5% cashback but maybank2kard visa only give 1 point. From the info here. SCB charge 1% for transaction whereas maybank visa charge 0.5%. so which card would be better for oversea purchase? thanks

Just used my SCB Business Plat in Bali and was charged around 2.79 rate inclusive of the 1%. It was not too bad.

Maybankard2 Visa
11-Mar-2011 (posted on 13-Mar-2011)
AUD$14.43 -> RM44.93
CC Forex : 3.1137
Wawasan rate : 3.0850 / Maybank rate : 3.0960

10-Mar-2011 (posted on 12-Mar-2011)
AUD$5.98 -> RM18.52
CC Forex : 3.0970
Wawasan rate : 3.0850 / Maybank rate : 3.1090

Maybankard2 AMEX
09-Mar-2011 (posted on 11-Mar-2011)
AUD$5.98 -> RM18.87
CC Forex : 3.1555
Wawasan rate : 3.0850 / Maybank rate : 3.1070

*** The transaction of AUD$5.98 was done on the same night, minutes apart only.

This post has been edited by ronnie: Apr 26 2011, 10:33 PM

If you're given a choice of mastercard or visa from the same bank, then which you prefer to apply?

Thanks!

it is up to u, visa or master not much difference

Thought that too until I saw this
source: Affin Bank

ya, 0.5%

That is what ALL bank credit card says, but in fact, they sneakily suck ur money from the high exchange rates.

I've tried the following credit card @ Australia:

SCB Business Visa Platinium - expensive
Maybankard 2 Gold Card - VISA: cheapest / AMEX: expensive
Citibank Platinium Cash Back - expensive

All 3 banks I called to ask if there are extra changes and all said none. Just sharing...

The senior guys here have compiled and posted all the information when using cc overseas. And when people share the rates here, it is defined quantitatively - readers can judge/calculate for themselves the additional percentage the bank charge vs the prevailing market rates. Now, please note that even you change your money at the money changer, someone has to make a profit. So whatever exchange rate you obtained is always higher than the interbank rates.

You posted a subjective answer (questionable) vs. a quantitative answer which cannot be disputed. Your definition of "expensive" can be misleading for newbies browsing in this thread. People who are sensitive to even 0.1% extra would define the charges as expensive if follow your method of categorization the term "expensive".

This post has been edited by hye: Apr 30 2011, 06:57 PM

The exchange rate is determined by VISA, MasterCard or AMEX la duh. That's how they make money.
And I don't trust what our crappy bank officers from Malaysia said, most of them have little idea what they are really selling.
See below, all 3 banks you mentioned has additional fees as stated in their "fees and charges" section.

SCB --> 1%, source: SCB "fees and charges"
Maybankard 2 Gold Card - VISA --> 0.5% for VISA, 1.5% + 0.5% for AMEX. Source: Maybankard 2 Gold Application form. The AMEX 1.5% might be a typo, as everywhere else I see 2.5% for their AMEX cards.
Citibank --> 1%, source: Citibank "fees and charges"

Definitely a typo. It's 0.5% for their VISA and MasterCard and 0.5% + 2.5% for their AMEX.

any website that can see amex foreign exchange rate ? as i can see visa got a website but can't find amex anywhere..

Nope...

May I ask 1 question?

Now i already received my maybank 2 cards credit card, Mastercard and AMex.

Assume that i need to spend on my hotel at overseas on weekend, is my Amex still entitle for 5% rebate?

Is mastercard foreign exchange rate and Amex is the same, excluding the 2.5% of Amex additional charge?

---

Added on May 2, 2011, 6:37 pmThanks !

This post has been edited by kahhuat86: May 2 2011, 06:37 PM

will entitle 5% cashback following malaysia time.
Master 0.5%, amex 2.5%

Yes


No one really knows. Anyway, it is safe to assume that it is not.


No. It will follow the local time.

miles n more,
it'll follow the foreign country's local time/day? and not the weekend time at m'sia?

Yes


No

Do you think if i use AMex (2.5% extra charge) with 5% rebate will still be better using the master card (0.5% additional charge)?

cash better

Try to :
- read Gen-X's blog
- search for Gen-X's posts
- search for Wshoh's posts.

May not be anymore. IMO, HSBC will provide 0.25% chargest (after off-set the 1% rebate it provides).

http://www.hsbcamanah.com.my/1/PA_1_1_S5/c.../cc_pds_amh.pdf

Look for International cash back.

Then you should get 2% cashback after the off-set. I tried using it oversea. Havent get my cashback yet for me to calculate.

@chunglern ... your attachment does not contain the 1% cashback information although the website does. Better you point to the website rather than to the PDF which does not contain that information.

If you are using the card then please provide the reference information. FYI, Maybank even uses a different forex rate vs. other banks thus their conversion is very attractive. HSBC uses a different forex rate which is higher than MBB but hypothetically the final number could be close but I'd prefer if someone make an actual comparison and not just provide the info here with proof of actual conversion in action.

You forgot to also mention that HSBC Amanah is strictly rebates with no points vs. MBB rebate+points system.
Please don't omit anything in the future ya ... let's try not to mislead our readers.

Ooops! My bad.

Actually I called them to confirm yesterday afternoon and they confirmed that 1.25% is the admin charges which is already included in the FOREX rate.

http://www.hsbcamanah.com.my/1/2/amanah/pe...m-credit-card-i


So to support my claim, from what I can understand from what the HSBC CCC rep has informed me plus what I've read on the link above, there should be only 0.25% charges for international transactions (after off-setting the 1% rebates provided).

I mentioned here that it is only a cashback card without points system @ http://forum.lowyat.net/index.php?showtopi...post&p=42104287

I've been posting in 2 diff tread might have thought I already mentioned... Anyway, hope that is clear enough for now, until I try it myself this coming Aug when I'm at oversea...

Will further clarify it again!

This post has been edited by chunglern: May 6 2011, 02:44 AM

MAYBANK 2 CARD AMEX - USED ON SATURDAY 7th May THB 6540, MYR 666.46 exchange rate : 0.101905 including 2.5% admin fees

eh the last i check with PB debit Visa cards is 1.0%. changed liao?

It's 1.25% for quite sometime already.

i think opinion from our friends here that different bank might use different exchange rate is absolutely right. charge 21060 russian rubles using SCB Business platinum just now and this translates to RM2295.73. I looked at xe.com the rate should be around RM2262.20, if we take 1% charge is still a lot more.

The website does not allow to use Amex, I was thinking 1%-0.5% cash back= Maybank plus 3 points every ringgit for overseas expenses.

Ahh i recall SCB has one of the higher exchange rates rivaling that of Amex. So is alliance bank visa.

Maybe in addition to the 'stated' exchange rates we can maintain a depository of actual exchange rates vs a common benchmark (xe.com, wawasansentosa.com etc.)

Using SCB Business Visa
- transaction date : 11 May 2011
- amount charged in foreign currency : PHP290.00
- amount billed in MYR : RM20.61
- final exchange rate : 0.0711

Wawasan Sentosa's Selling Rate on 11 May 2011 : 0.0715

This post has been edited by ronnie: May 19 2011, 11:44 PM

Mbb2amex linked paypal charged me rm3.062 for us1 on 11th May (transaction date) posted date is 13th.

something weird happen with my transactions that I have posted recently using rubble/russion dollar. the sms alert and phone call that I've received from SCB fraud team the amount is 21060 rubble= RM 2295.73. This is steep if we consider the xe.com on that time RM 2262. The shocking news when I saw in the SCB online banking today the amount now going up to RM 2304.99 . I have emailed them to ask about this but it seems the exchange rate + 1% bank charge is quite high.

The only thing I can save is the cash back 0.5% which only about RM 11 and 3 choice points

Posting date/Transaction date/Description/Foreign currency/Local currency/Debit/Credit/Debit Credit
17-May-2011 14-May-2011 PAYPAL USA US US$52.37 RM162.24 RM3.099/USD wawasan sentasa 3.035 on 17th
13-May-2011 11-May-2011 PAYPAL USA US US$77.80 RM238.19 RM3.062/USD wawasan sentasa 3.010 on 13th 2.99 om 11th.

M2Amex linked Paypal account.

If I were to compare wawasan rates against Amex rate, I should compare the posting date or the transaction date ?

Transaction date

Using SCB Business Visa
- transaction date : 14 May 2011
- amount charged in foreign currency : PHP23,228.77
- amount billed in MYR : RM1,648.38
- final exchange rate : 0.0710

Wawasan Sentosa's Selling Rate on 14 May 2011 : 0.0715

I have confirmed with SCB customer service the sms alert is the amount before the bank add their admin charge which is RM 2295.73. After add the admin charge the actual amount is RM2304.99, so the admin charge for SCB is 0.4% instead of 1%. However the exchange rate is quite high 0.109 compare to XE.COM at the transaction date 0.107

Using OCBC TITANIUM
- transaction date : 28 May 2011
- amount charged in foreign currency : SGD 33
- amount billed in MYR : RM82.33
- final exchange rate : 2.495
while i check on https://www.mastercard.com/global/currencyc...sion/index.html
the actual rate was about 2.445. It looks like SGD to MYR charged 2% on bank charges.

Thank you so much for the link. It may not give us the actual rate but we'll at least get an idea

Using OCBC TITANIUM Mastercard
- transaction date : 03 June 2011
- amount charged in foreign currency : GBP 1000
- amount posted on 04 June 2011 : RM5,025.85
- final exchange rate : RM5.02585

https://www.mastercard.com/global/currencyc...sion/index.html
Settlement date at 02 June = RM4.9434
Settlement date at 03 June = RM4.9273

Wawasan Sentosa Selling at 03 June = RM4.99
Wawasan Sentosa Selling at 04 June = RM4.99

BNM Seling at 03 June = RM4.9282
BNM Seling at 03 June = RM4.9167 (Friday clsing)

Citibank DCA spot at 03 June = RM4.9273


Based on the Mastercard 03 June settlement rate, looks like the service charge is about 2%.

This post has been edited by aeiou228: Jun 5 2011, 11:53 AM

Using OCBC TITANIUM Mastercard
- transaction date : 02 June 2011
- Posting date: 06 June 2011
- Appearing statement date 07 June 2011
- amount charged in foreign currency : THB 2578
- amount billed in MYR : 262.79
- final exchange rate : 9.81011

[url=https://www.mastercard.com/global/currencyconversion/index.html[/url]
Settlement date at 02 June =
1 THB = MYR Malaysian ringgit 0.098863
1 MYR = THB Thai baht 9.986151

wawasan rate sells THB :10.15000

Compared wawasan rate & CC
(10.15-9.81011)/10.15 = 3.35%

****Pay more than 3.35%

Compared actual rate with suggested rate
(9.986151-9.81011)/9.986151 = 1.763%

****Higher rate of 1.763%


Conclusion: The bigger amount , the "LOSS" is bigger, even taking 1% rebate into account.

This post has been edited by der.msia: Jun 7 2011, 10:49 PM

m2amex (all usd)
Posting / Trans
24/5 22/5 $6.47 RM20.12 ---- 3.109
17/5 14/5 $2.44 RM7.55 ---- 3.094
(if trans at weekend, get extra 5% + 5x points... not bad to use amex )



maybank mastercard
13/4 12/4 $0.99 RM3.01 --- 3.04
4/5 02/5 $5.48 RM16.38 --- 2.989
22/4 20/4 $35.97 RM109.16 --- 3.03

This post has been edited by dopp: Jun 3 2011, 11:04 PM

I think the final exchange rate is 100thb = 10.17rm

Here are some of my transactions in SG on 25/5/2011, Posting Date all same 26/5/2011

MBB Plat MC SGD335.98 MYR829.87 Rate = 2.47 (Ratio 1 : 1)
MBB 2 AMEX SGD73.70 MYR185.86 Rate = 2.5218 (Ratio 1 : 1.02099) Therefore MBB 2 AMEX 2.1% higher than MBB MC
EON VS SGD38.49 MYR96.69 Rate =2.5121 (Ratio 1 : 1.01704) Therefore higher than MBB MC by 1.7%
OCBC TMC SGD104.90 MYR261.66 Rate = 2.4944 (Ratio 1 : 1.00987) Therefore higher than MBB MC by 1%

One thing for sure is EON Visa Signature rate is not competitive even with them giving 1% cash back for overseas transactions.

Maybank
14 Jun 2011
- USD157.70 > RM484.45 (USD1 = RM3.0720)

**Wawasan Sentosa's USD rate on 17/2/2011 was USD1 = RM3.025


Maybank
20 Jun 2011
- USD399.87 > RM1239.24 (USD1 = RM3.0991)

**Wawasan Sentosa's USD rate on 17/2/2011 was USD1 = RM3.035


It seems to me that HSBC credit card exchange rate isn't quite as bad as it was.

18/6/11- M2 Amex

SGD 17.90 - RM 45.20 --> 2.5251

19/6/11- M2 Amex

SGD 9.36 - RM 23.62 --> 2.5235

20/6/11- OCBC Ti

SGD 22.35 RM 56.39 --> 2.5230

As you can see, the OCBC Ti Master exchange rate is on par with the M2 Amex. Unless the exchange rate fluctuate so much in 1 day which I dont think so, it is not worth using it for overseas transaction.

- Maybank American Express with Maybank logo on top : 0.5% + 2.5%

What does it mean? Use maybank amex is 0.5%+2.5%, so total is 3%?

Yes

what does this mean? im using Maybank AMEX but my card does not have any maybank logo on top. do i fall under this category also?

Yes. Of course. Please refer to American Express (see below).
This post has been edited by MilesAndMore: Jul 12 2011, 06:33 PM

Maybankard2 Visa
- transaction date : 19 July 2011
- posted date : 21 July 2011
- amount charged in foreign currency : HKD699.00
- amount billed in MYR : RM272.62
- final exchange rate : 0.3900

Maybankard2 Visa
- transaction date : 20 July 2011
- posted date : 22 July 2011
- amount charged in foreign currency : HKD1050.00
- amount billed in MYR : RM408.75
- final exchange rate : 0.3893

That's a very good rate! Wawasan Sentosa in Mid Valley was selling HKD100 for RM38.90 on 19th Jul & 20 Jul

Maybankard2 Master
- transaction date : 20 July 2011
- posted date : 22 July 2011
- amount charged in foreign currency : SG$172.80
- amount billed in MYR : RM431.54
- final exchange rate : 2.497
- Wawasan rate : 2.472
- BNM rate : 2.4708

from where did u guys manage to get the wawasan rate? which website?

so i should pay by MBB visa since is the lowest... rite? (jz to confirm, dont tembak me)

but i need to make BT. So is stil better to pay by CIMB and then transfer d amount to mbb for 12 months instalment since the diff is only 0.5%

This post has been edited by andyfriends: Jul 25 2011, 10:43 PM

^
http://www.wawasanmoneychanger.com.my/exchangeRates.asp

Maybankard2 Visa
Transaction date : 30 July 2011
Posted date : 1 August 2011
Amount charged in foreign currency : THB1,323.00
Amount billed in MYR : RM133.50
Final exchange rate : THB100 = RM10.0907

Maybankard2 American Express
Transaction date : 30 July 2011
Posted date : 1 August 2011
Amount charged in foreign currency : THB795.00
Amount billed in MYR : RM81.26
Final exchange rate : THB100 = RM10.2214

Maybankard2 American Express
Transaction date : 30 July 2011
Posted date : 1 August 2011
Amount charged in foreign currency : THB1,043.00
Amount billed in MYR : RM106.65
Final exchange rate : THB100 = RM10.2253

Maybankard2 American Express
Transaction date : 31 July 2011
Posted date : 2 August 2011
Amount charged in foreign currency : THB2,760.00
Amount billed in MYR : RM283.32
Final exchange rate : THB100 = RM10.2652

**Wawasan Sentosa's Thai Baht rate on 30/7/11 & 31/7/11 was THB100 = RM10.10


By the way, all the transactions on 30/7/11 (3 different transactions in total) were done in about 20 minutes apart.

After factoring the 5% rebate for amex weekends + 5X points, is maybank visa or maybank amex better?

MBB2 AMEX definitely better but the thing is, i did get the 5x TP but not the 5% weekend cash rebate. I am still waiting for their written reply. Will call their CS as soon as i get it.

A few users also mentioned that Transaction on 30-31 July 2011 (weekend), didn't credit the 5% rebate.
Maybe it's counted for next month's rebate... but I think that's not really fair.

correct me if i am wrong, 5% rebate for overseas transactions rebate are based on the posting date so perhaps this is the reason 1-2 August ones are not eligible...

zenquix has confirmed that even overseas transactions made with the MBB2 AMEX are based on the transaction date and not the posting date.

well then you stand to get the 5% ;-)

i thk this happened due to the last day of the month and the last weekend of the month falls on the same day
normally the transaction would have posted before the cash back calculation

maybe mbb need to shift the cash back calculation to the 2nd or 3rd day of the month to avoid this

Let's say I am charging RM3000 equivalent of foreign currency to my card, comparing between AMEX and VISA

Weekends
AMEX: + RM50 (5% max rebate) + RM75 (15000 TP) - RM90 (0.5% + 2.5% service charge) = + RM35
VISA: + RM15 (3000 TP) - RM15 (0.5% service charge) = 0

Weekdays
AMEX: + RM75 (15000 TP) - RM90 (0.5% + 2.5% service charge) = - RM15
VISA: + RM15 (3000 TP) - RM15 (0.5% service charge) = 0

Can I conclude that use AMEX on weekends; use VISA on weekdays?

Assumption: The exchange rate for the same bank is the same, the only diffrence is the service charge. Is this correct?

---

Added on August 7, 2011, 9:57 pmOn a second thought, it is only worth it to use AMEX as long as it does'nt dip to negative.

Clarification from zenquix:
This post has been edited by Human Nature: Aug 8 2011, 05:44 PM

Maybankard2 AMEX
Transaction date : 10 August 2011
Posted date : 11 August 2011
Amount charged in foreign currency : SGD22.36
Amount billed in MYR : RM57.27
Final exchange rate : SGD1 = RM2.5613

Transaction date : 11 August 2011
Posted date : 12 August 2011
Amount charged in foreign currency : SGD9.19
Amount billed in MYR : RM23.48
Final exchange rate : SGD1 = RM2.5550

Transaction date : 11 August 2011
Posted date : 12 August 2011
Amount charged in foreign currency : SGD9.08
Amount billed in MYR : RM23.17
Final exchange rate : SGD1 = RM2.5518

Maybankard2 Visa
Transaction date : 12 August 2011
Posted date : 14 August 2011
Amount charged in foreign currency : SGD8.90
Amount billed in MYR : RM22.36
Final exchange rate : SGD1 = RM2.5124

This post has been edited by ronnie: Aug 15 2011, 09:17 AM

Mind to ask why the selection of AMEX on weekday as Maybankad2 Master should be lower exchange? 5x TP?

Because it's company expenses ;-) with 5X TP
If for personal expense, I would have used Maybankard2 Visa instead.

This post has been edited by ronnie: Aug 15 2011, 09:15 AM

UOB Visa Card

NZD -> MYR

Transaction Date :
30/6/11 : NZD 40 -> MYR 102.73, Rate : 2.56825, Visa Rate : 2.505586
2/7/11 : NZD300 -> MYR 765.22, Rate : 2.55073, Visa Rate : 2.488534
17/7/11 : NZD88.68 -> MYR 230.55, Rate : 2.59980, Visa Rate : 2.536382

UOB Visa card has consistently charged 2.5% Fees on top of the Visa Corporate Rate on http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp


My question :
Which daily foreign exchange rate is better, Visa Card or Master Card (without considering the additional admin fees imposed by the banks) ?

It's more or less the same. Just use Maybank credit card when overseas. Problem solved.

DA (CIMB) VI vs SCB JustOne Titanium MC
Transaction Date: 19/8/2011

CIMB - RM1 = INR15.0412
SCB - RM1 = INR15.0128

SCB rate is 0.19% higher.

DA (CIMB) VI vs Maybank 2 Platinum Amex
Transaction Date: 17/8/2011

CIMB - RM1 = BDT24.5918
Amex - RM1 = BDT24.4197

Amex rate is 0.70% higher.

MBB visa/master with 0.5% conversion

Is this correct?

---

Added on September 4, 2011, 6:23 pmIf the above is correct, comparing between Maybank Visa and SCB Plat Business Visa is as follows:

MBB : 0.5% (1x points) - 0.5% (charge) = 0
SCB : 0.5% (cashback) + 1.5% (3x points) - 1% (charge) = 1% ('gain')

In this case, both are Visas hence same forex rate. Am I missing something here?


This post has been edited by Human Nature: Sep 4 2011, 06:23 PM

That is NO longer true... 14000 ChoicePoints = RM50 (0.036%)

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