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 Credit Card Foreign Exchange Rate

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BenChiew
post Sep 20 2025, 02:33 PM

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From: Kuala Lunpur
QUOTE(synical @ Sep 18 2025, 12:59 PM)
I guess UOB is really charging 2.22%...

Date: 17/9/2025
5427 JPY
Charged RM 160.23

When I keyed in 2.2% in VISA's calculator, it was only RM 160.19/20

But after I added the 2nd decimal point (2.22%), it tallied with the final amount (RM160.23)

When I checked on XE, it was around RM154/155 yesterday, so...

Is EVOL's 5% CB for online transactions enough to cover?
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It’s near impossible to tell with accuracy since it depends on when the transaction happens. Unless you check it on the dot, then it will not be accurate. If the forex is very stable, then it is ok. Since the single digit variance is affected by 2 decimal point movement, we see a lot of that everyday now.
Confession
post Oct 18 2025, 06:47 PM

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Is SC Jumpstart the best so far with no additional fee spending overseas as well as cash withdrawal?
Confession
post Oct 24 2025, 11:13 AM

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QUOTE(Mr Gray @ Jun 22 2025, 10:18 AM)
These 3 ambank cards have 0% foreign transaction fee.

1. Ambank True Card
2. Ambank M Card
3. Ambank Bonuslink Card

All other ambank cards have 1% charge.

And I'm personally using Ambank Bonuslink.
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is there any charges by Ambank if withdraw from ATM overseas?
Toku
post Nov 8 2025, 11:05 PM

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QUOTE(Mr Gray @ Jun 22 2025, 10:18 AM)
These 3 ambank cards have 0% foreign transaction fee.

1. Ambank True Card
2. Ambank M Card
3. Ambank Bonuslink Card

All other ambank cards have 1% charge.

And I'm personally using Ambank Bonuslink.
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According to Hong Leong Bank website, their I'm Credit Card has no annual fee and no foreign exchange conversion mark up.
Isn't it much better than the above Ambank Debit card since it is a Credit Card (with some liability protection)?
Fantasia
post Nov 9 2025, 02:07 PM

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QUOTE(Toku @ Nov 8 2025, 11:05 PM)
According to Hong Leong Bank website, their I'm Credit Card has no annual fee and no foreign exchange conversion mark up.
Isn't it much better than the above Ambank Debit card since it is a Credit Card (with some liability protection)?
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Those ambank cards are credit card.
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