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 Credit Card Foreign Exchange Rate

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BenChiew
post Jan 15 2024, 10:49 AM

Casual
***
Junior Member
342 posts

Joined: Dec 2023
From: Kuala Lunpur


QUOTE(Mr Gray @ Jan 14 2024, 07:42 PM)
U are correct. Forgot to account for that. So SCB Jumpstart is the best in all situations.
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MY RHB MCA was also charged an ATM fee when withdrawing Yen in Japan. They charged 110 Yen.
BenChiew
post Feb 20 2025, 02:57 AM

Casual
***
Junior Member
342 posts

Joined: Dec 2023
From: Kuala Lunpur


QUOTE(xiaomoon @ Jan 13 2025, 08:41 AM)
hlb im card, but recently got ppl do compare seem like got hidden fee, rate still wise/gx/tng visa better
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You cant expect a Credit Card to be the same as a debit Card. Debit Card you are using your own Money.
BenChiew
post Sep 20 2025, 02:33 PM

Casual
***
Junior Member
342 posts

Joined: Dec 2023
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.

 

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