QUOTE(ivzh @ Nov 3 2017, 04:59 PM)
hi guys, which card best to pay in RMB?
Of course UnionPayCredit Card Foreign Exchange Rate
Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards|
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 Nov 3 2017, 06:17 PM
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All Stars
14,903 posts Joined: May 2015 
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Nov 17 2017, 06:59 AM
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#2
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All Stars
14,903 posts Joined: May 2015
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QUOTE(DarReNz @ Nov 17 2017, 05:39 AM) it looks like the rate is 2% and above unless you use paypal Online transactions disqualified. |
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Nov 17 2017, 07:00 AM
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#3
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All Stars
14,903 posts Joined: May 2015
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QUOTE(-kytz- @ Nov 17 2017, 02:39 AM) Is Hongleong Cards alright? Planning to use them due to the below cashback promo: up to 1500 winners only. >75 days after 1/9. Chance not really good. Good luck.https://www.hlb.com.my/en/personal-banking/...rsea-spend.html |
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Feb 23 2018, 02:45 PM
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QUOTE(eeeglow24 @ Feb 23 2018, 12:40 PM) Not really sure what do you mean by ``receive money``. Usually cards are used to spend, not to receive money. ie debit cards are attached to savings account, credit card is used to spend within the limit of your credit card. An example...So I'm not sure what do you mean by 'receive money' here... When you claim back Value Added Tax, VAT (we call GST in Malaysia) when leaving Europe, you can choose to receive VAT (GST) refund in cash or direct credit to your Visa/Mastercard. Refund to a Visa/Mastercard enjoy better exchange rate and more convenient than refund in cash (long queue)! |
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Dec 1 2018, 06:11 PM
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#5
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QUOTE(tan_aniki @ Dec 1 2018, 05:52 PM) anyone know which bank now offer CB for overseas transaction? Games: HLB CC (refreshed today, Max CB RM100), PBB Visa Debit (refreshed today, Max CB RM100), Maybank CC (Travel - minimum RM1000 to win 10%), RHB CC (if you received invitation SMS, Max rebate RM40), SC - spin&win.going to prepare the card together with BP when the BP balance finish or can't use. This post has been edited by ClarenceT: Dec 1 2018, 06:12 PM |
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Dec 1 2018, 07:09 PM
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#6
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QUOTE(Michael12345678 @ Dec 1 2018, 06:40 PM) this is not updated. for instance maybank visa is 2.25%. i just confirm with telebanker +1% by Visa/MC and + 1.25% (+/-) by your bank. |
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Dec 1 2018, 08:03 PM
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#7
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QUOTE(tan_aniki @ Dec 1 2018, 07:52 PM) i also remember HLB got that promotion but can't find in their website... https://forum.lowyat.net/topic/4012607/+3920can share the link? https://forum.lowyat.net/topic/4646971/+1840 |
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Dec 16 2018, 02:26 PM
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#8
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QUOTE(kueks @ Dec 16 2018, 01:51 PM) hmm what if i buy disney tickets online through the official website Amex +2.5% to 3%39,600 yen how much will maybank amex / master charge extra? current conversion is around - RM 1,460 MC +2% to 2.5% -RM100 if you win the Travel campaign (3000 winners) This post has been edited by ClarenceT: Dec 16 2018, 02:27 PM |
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May 15 2019, 09:08 AM
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#9
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QUOTE(naruko85 @ May 15 2019, 08:18 AM) I see, then the conversion around rm 2.99 for 1 AUD... quite expensive Don't forget M2 Amex gives 5X TP (worth 1%); Most of Visa/MC gives 0.2-0.3% only. |
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Apr 29 2022, 11:28 AM
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#10
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QUOTE(jchong @ Apr 29 2022, 11:21 AM) One card I like to use for overseas transaction is Public Bank Visa Infinite Credit Card, since it gives 2% cashback for overseas retail purchases (cap at RM80 per month). RHB Visa Signature and World MasterCard also gives 2% (with conditions).PBB does charge 1.25% fee above the Visa rate, but with the 2% cashback the net rate is actually below the Visa rate and even a bit below XE rate. So this card is quite good for overseas spending up to equivalent RM4k per month. Some debit cards don't charge extra above Visa rate. Wise Prepaid Visa and Merchantrade Visa Prepaid are good for some users as you can buy the currency in advance when cheap (hedge the currency and no extra charge when swipe the card). |
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Nov 8 2022, 01:39 PM
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#11
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QUOTE(MGM @ Nov 8 2022, 12:57 PM) Which credit cards give the best cashback/rewards/points for offline swipe of 10k to 40k (not govt or insurance transactions)? Foreign currency?One off or monthly or yearly? Split/multiple payments allowed? This post has been edited by ClarenceT: Nov 8 2022, 01:45 PM |
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Nov 8 2022, 02:46 PM
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#12
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QUOTE(MGM @ Nov 8 2022, 02:25 PM) Local RM, M2 Amex : 5XTP worth 1% (or Amex krisflyer/Cashback card if you have) One off, Split payments each >10k total 80k HLB Essential: 0.4% / 1% capped at RM300/month HLB Wise: 0.25% Maybank FCB VS: for 1 transaction >RM5000, CB capped at RM50/month SC Liverpool card - CB RM50 Normally CC reward/cashback at around 0.2% only. Aghi liked this post
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Mar 7 2024, 11:21 AM
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#13
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QUOTE(!@#$%^ @ Mar 6 2024, 11:40 PM) hello, planning to buy something online in yen. taking into account of 8% cashback using amex islamic, it should be worth taking the 2.5% extra fees right? You need to make sure the payment transaction go through Online verification, not the Japanese merchant direct debit your Amex-i account. |
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Mar 7 2024, 11:46 AM
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#14
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QUOTE(!@#$%^ @ Mar 7 2024, 11:27 AM) hmmm i see. will check it out. thanks. Use Maybank Amex (5% weekend CB) is safer. gclee liked this post
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Mar 14 2024, 10:55 AM
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#15
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QUOTE(coyouth @ Mar 14 2024, 10:04 AM) walao wei. thanks for sharing. gonna make another overseas payment today. probably will use my aeon credit card instead. Though AMEX may charge higher, but you may get 5x Treatpoints (worth 1%) vs. 1x Treatpoint (or 0.2% CB) for using Visa/MC.TNG Visa & Wise (TransferWise) Visa Debit can give cheaper rate, better than using Visa/MasterCard credit card. e.g. S$2 TNG Visa RM7.06 Wise Visa Debit RM7.09 Public Bank Visa Credit RM7.15 |
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Sep 8 2025, 11:38 AM
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#16
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14,903 posts Joined: May 2015
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QUOTE(virgoguy @ Sep 8 2025, 09:11 AM) Does that mean visa also charge 1%? Around +1% hidden charged by Visa International if use a credit card. Not limited to RHB. Cheaper if use debit card or prepaid card. |
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