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Credit Card Foreign Exchange Rate
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James_Padfoot
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 Aug 6 2019, 06:37 PM
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Getting Started
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Hi all, just want to confirm my calculations and plan before going ahead:
I'm going to Poland shortly. Aside from changing cash MYR to Euro (then change to PLN there), I plan to use card mostly.
The plan is to load RM 2,500 on BigPay. (Pay for hotel ++)
Balance is what I'm not sure... I'm thinking of using UOB One Platinum for anything else.
I also have Merchantrade Visa Debit (unfortunately, Polish currency is not on their Multi-currency wallet, so if I bought Euro in my wallet, I'd lose with the conversion, right?)
I also have MBB 2 Cards (Visa and Amex).
What would all the sifus here recommend?
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James_Padfoot
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Aug 8 2019, 05:24 PM
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Getting Started
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QUOTE(MilesAndMore @ Aug 6 2019, 10:04 PM) Used local credit cards that give you some sort of cash back or rewards points to top-up your BigPay MasterCard. Then use your BigPay MasterCard. There is absolutely no contest at all. It is BigPay Mastercard all the way. And you can also use your MBB2 AMEX only weekends only if you aren’t gonna use it in Malaysia on weekends this month. Time difference shouldn’t be an issue as it will follow local merchant’s clearing bank’s time, which in your case is Poland. So as long as you make POS payment on Saturday and Sunday in Poland local time, you should be fine. Bon Voyage! Thank you for the answer. I'll reload on the weekend with UOB then (5% cashback) to my Bigpay and use that. On the advice of using Amex - why? Isn't there a double conversion rate that they hit you with? (PLN > USD > MYR)? |
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