I could like to ask, I better use Maybank Cerry Debit Visa or PBB Day 2Day Visa when I go oversea? Maybank no cash rebate but they send email to me stated that no conversion fee been imposed, PBB charged 1.255% with US dollar as base currency but got 0.3% cash back.

Or I just use my HLB Credit card/ Citibank Visa?

This post has been edited by MandyG: Sep 23 2011, 07:35 PM

HLB Hello Kitty Debit Card Mastercard

Transaction date : 06/11/11
Posted date : 08/11/11
Amount charged in foreign currency : HKD190.00
Amount billed in MYR : RM77.62
Exchange rate posted in Mastercard Exchange Rate Tools: 2.488978
Service Fee: 1.655%

Maybankard Cherry Visa

Transaction date : 07/11/11
Posted date : 09/11/11
Amount charged in foreign currency : HKD251.00
Amount billed in MYR : RM102.13
Exchange rate posted in Visa Exchange Rate Tools: 40.3267
Service Fee: 0.9%

HLB Hello Kitty Debit Card Mastercard

Transaction date : 07/11/11
Posted date : 09/11/11
Amount charged in foreign currency : HKD110.00
Amount billed in MYR : RM45.07
Exchange rate posted in Mastercard Exchange Rate Tools: 2.504189
Service Fee: 2.537%

I only swipe three transaction with my debit card but credit card haven't updated.

HLB Platinum Mastercard

Transaction date : 30/10/11
Posted date : 01/11/11
Amount charged in foreign currency : HKD552.00
Amount billed in MYR : RM221.58
Exchange rate posted in Mastercard Exchange Rate Tools: 2.525585
Service Fee: 1.381%


EON Platinum Mastercard

Transaction date: 07/07/11
Posted date : 08/07/11
Amount charged in foreign currency : SGD 366.60
Amount billed in MYR : RM 918.45
Exchange rate posted in Mastercard Exchange Rate Tools : 2.45176
Service Fee : 1.021 %


Transaction date: 30/10/11
Posted date : 31/10/11
Amount charged in foreign currency : HKD 552.00
Amount billed in MYR : RM 222.02
Exchange rate posted in Mastercard Exchange Rate Tools : 2.551940
Service Fee : 1.026 %

Transaction date: 07/11/11
Posted date : 08/11/11
Amount charged in foreign currency : HKD 404.10
Amount billed in MYR : RM 165.59
Exchange rate posted in Mastercard Exchange Rate Tools : 2.488978
Service Fee : 1.019 %

Transaction date: 07/11/11
Posted date : 08/11/11
Amount charged in foreign currency : HKD 1167.00
Amount billed in MYR : RM 478.21
Exchange rate posted in Mastercard Exchange Rate Tools : 2.488978
Service Fee : 1.019 %


Transaction date: 07/11/11
Posted date : 08/11/11
Amount charged in foreign currency : HKD 836.80
Amount billed in MYR : RM 342.91
Exchange rate posted in Mastercard Exchange Rate Tools : 2.488978
Service Fee : 1.019 %

Transaction date: 09/11/11
Posted date : 10/11/11
Amount charged in foreign currency : HKD 319.20
Amount billed in MYR : RM 130.01
Exchange rate posted in Mastercard Exchange Rate Tools : 2.493111
Service Fee :

Transaction date: 11/11/11
Posted date : 12/11/11
Amount charged in foreign currency : HKD 503.00
Amount billed in MYR : RM 206.87
Exchange rate posted in Mastercard Exchange Rate Tools : 2.480071
Service Fee : 1.02 %

This post has been edited by MandyG: Dec 16 2011, 06:12 PM

As explained by other already that their currency forex rate are lower. They stated that their admin fee is 1% but after convert it will be higher than 1%. As I mentioned in my previous post; HLB mastercard say admin fee is 1% but after few transaction and after covert the admin fee is still higher than 1%... If you don't want to listen then you can try and swipe your card oversea, after the billing, you let us know or proves to us that the admin fee is 1%....

may i know what credit card have low rate of exchange as i can apply PLatinum or higher...

Maybankard 2 American Express

Transaction Date: 11-Jan-2014
Posting Date: 14-Jan-2014
Transaction amount: USD 448.78
Amount charged: RM 1504.87
Effective rate: USD 1 = MYR 3.3532
AMEX rate: USD 1 = MYR 3.2845


Admin Fee: 2.05%

HLBB Platinum MasterCard
Transaction Date: 16 Oct 2014
Posting Date : 17 Oct 2014
Transaction Amount : CNY 6450
Amount Charged : RM3526.44
Exchange Rate : 54.674
Forex Rate : 53.660 on 17 Oct 2014

Fee: 1.9%

HLBB Platinum MasterCard

Transaction Date: 19 Oct 2014
Posting Date : 20 Oct 2014
Transaction Amount : CNY 1290
Amount Charged : RM706.40
Exchange Rate : 54.760
Forex Rate : 53.444 on 20 Oct 2014

Fee: 2.46%

HLBB Platinum MasterCard

Transaction Date: 20 Oct 2014
Posting Date : 21 Oct 2014
Transaction Amount : CNY 3340
Amount Charged : RM1820.72
Exchange Rate : 54.513
Forex Rate : 53.329 on 21 Oct 2014

Fee: 2.22%

HLBB Platinum Mastercard

Transaction Date: 02 Nov 2014
Posting Date : 03 Nov 2014
Transaction Amount : CNY 3744
Amount Charged : RM2058.02
Exchange Rate : 54.969
Forex Rate : 54.235 on 03 Nov 2014

Fee: 3.2%

Maybe my counting wrong as the fee different each transaction...

Airbnb processed it late and pass the weekend

Maybankard 2 Amex
Transaction Date: 06-Apr-2015
Posting Date: 06-Apr-2015
Transaction amount: 304.00 Euro
Amount charged: 1249.70 MYR
Effective rate: 304.00 Euro => 333.832 USD => 1222.16 MYR
Difference: (1249.70 - 1222.16) / 1222.16 = 2.253%

Been swipe a lot of transaction... So do all in one go...


Maybankard 2 Amex

Posting Date: 06-Apr-2015
Transaction amount: 304 EUR
Amount charged: 1249.70 MYR
Effective rate: 304 EUR => 333.376 USD => 1219.66 MYR
Difference: (1249.70 - 1219.66) / 1219.66 = 2.46%

Posting Date: 12-Apr-2015
Transaction amount: 167 EUR
Amount charged: 671.44 MYR
Effective rate: 167 EUR => 176.977 USD => 648.975 MYR
Difference: (671.44 - 648.975) / 648.975 = 3.46%

Posting Date: 13-Apr-2015
Transaction amount: 57 EUR
Amount charged: 229.17 MYR
Effective rate: 57 EUR => 60.4052 USD => 221.705 MYR
Difference: (229.17 - 221.705) / 221.705 = 3.37%

Posting Date: 13-Apr-2015
Transaction amount: 270 EUR
Amount charged: 1085.58 MYR
Effective rate: 270 EUR => 286.130 USD => 1050.18 MYR
Difference: ( 1085.58 - 1050.18) / 1050.18 = 3.37%

Posting Date: 2-May-2015
Transaction amount: 62 GBP
Amount charged: 351.88 MYR
Effective rate: 62 GBP => 94.6901 USD => 339.684 MYR
Difference: ( 351.88 - 339.684 ) / 339.684 = 3.59%

Posting Date: 2-May-2015
Transaction amount: 45.20 GBP
Amount charged: 256.54 MYR
Effective rate: 45.20 GBP => 69.0322 USD => 247.640MYR
Difference: ( 256.54 - 247.64 ) / 247.64 = 3.60%

Posting Date: 3-May-2015
Transaction amount: 14 GBP
Amount charged: 79.45MYR
Effective rate: 14 GBP => 21.1809 USD => 76.0563 MYR
Difference: ( 79.45 - 76.0563 ) / 76.0563 = 4.46 %

Posting Date: 4-May-2015
Transaction amount: 75.95 GBP
Amount charged: 431.04 MYR
Effective rate: 75.95 GBP => 114.906 USD => 412.605 MYR
Difference: ( 431.04 - 412.605 ) / 412.605 = 4.47%

Posting Date: 4-May-2015
Transaction amount: 46 GBP
Amount charged: 261.09 MYR
Effective rate: 46 GBP => 69.5943 USD => 249.899MYR
Difference: ( 261.09 - 249.899) / 249.899 = 4.48%

Posting Date: 4-May-2015
Transaction amount: 27.20 EUR
Amount charged: 112.07 MYR
Effective rate: 27.20 EUR => 30.4455 USD => 109.324 MYR
Difference: ( 112.07 - 109.324 ) / 109.324 = 2.51%

Posting Date: 4-May-2015
Transaction amount: 22 EUR
Amount charged: 90.65 MYR
Effective rate: 22 EUR => 24.6250 USD => 88.4236 MYR
Difference: ( 90.65 - 88.4236 ) / 88.4236 = 2.52 %

Posting Date: 4-May-2015
Transaction amount: 39 EUR
Amount charged: 160.72 MYR
Effective rate: 39 EUR => 43.6535 USD => 156.751 MYR
Difference: ( 160.72 -156.751 ) / 156.751 = 2.53 %

Posting Date: 4-May-2015
Transaction amount: 30 EUR
Amount charged: 123.61 MYR
Effective rate: 30 EUR => 33.5796 USD => 120.578 MYR
Difference: ( 123.61 - 120.578) / 120.578 = 2.52 %

Posting Date: 4-May-2015
Transaction amount: 29.80 GBP
Amount charged: 169.14 MYR
Effective rate: 29.80 GBP => 45.085 USD => 161.891 MYR
Difference: ( 169.14 - 161.891 ) / 161.891 = 4.48%

Posting Date: 5-May-2015
Transaction amount: 124 EUR
Amount charged: 512.84 MYR
Effective rate: 124 EUR => 138.472 USD => 497.861 MYR
Difference: ( 512.84 - 497.861 ) / 497.861 = 3.01%

Posting Date: 6-May-2015
Transaction amount:160.60 EUR
Amount charged: 658.33 MYR
Effective rate: 160.60 EUR => 179.344 USD => 644.81 MYR
Difference: ( 658.33 - 644.81 ) / 644.81 = 2.10%


Maybankard2 Mastercard

Posting Date: 10-Apr-2015
Transaction amount: 369 EUR
Amount charged: 1471.76 MYR
Effective rate: 369 EUR => 1431.614 MYR
Difference: ( 1471.76 - 1431.614 ) / 1431.614 = 2.81 %

Posting Date: 10-Apr-2015
Transaction amount: 87 EUR
Amount charged: 347.01 MYR
Effective rate: 87 EUR => 337.535 MYR
Difference: ( 347.01- 337.535 ) / 337.535 = 2.81 %

Posting Date: 23-Apr-2015
Transaction amount: 21 EUR
Amount charged: 83.57 MYR
Effective rate: 21 EUR => 82.447 MYR
Difference: ( 83.57 - 82.447) / 82.447 = 1.36 %

Posting Date: 24-Apr-2015
Transaction amount: 898 EUR
Amount charged: 3589.06 MYR
Effective rate: 898 EUR => 3505.813 MYR
Difference: ( 3589.06 - 3505.813 ) / 3505.813 = 2.38 %

Posting Date: 28-Apr-2015
Transaction amount: 69.34 EUR
Amount charged: 275.01 MYR
Effective rate: 69.34 EUR => 272.178 MYR
Difference: ( 275.01 - 272.178 ) / 272.178 = 1.04 %

It seem like use Amex for GBP not so good unless during weekend for the cash rebate...

HLBB Essential VISA card

Posting Date: 11-Apr-2015
Transaction amount: 87 EUR
Amount charged: 348.28 MYR
Effective rate: 87 EUR => 341.45 MYR
Difference: ( 348.28 - 341.45 ) / 341.45 = 2 %

Posting Date: 16-Apr-2015
Transaction amount: 220 EUR
Amount charged: 894.59 MYR
Effective rate: 220 EUR => 877.05MYR
Difference: ( 894.59 - 877.05 ) / 877.05 = 2 %

Posting Date: 18-Apr-2015
Transaction amount: 6 EUR
Amount charged: 24.27 MYR
Effective rate: 6 EUR => 23.79 MYR
Difference: ( 24.27 - 23.79) / 23.79 = 2.02 %

Posting Date: 18-Apr-2015
Transaction amount: 30 EUR
Amount charged: 121.33 MYR
Effective rate: 30 EUR => 118.95 MYR
Difference: ( 121.33 - 118.95 ) / 118.95 = 2 %

Posting Date: 18-Apr-2015
Transaction amount: 60 EUR
Amount charged: 242.65 MYR
Effective rate: 60 EUR => 237.89 MYR
Difference: ( 242.65 - 237.89 ) / 237.89 = 2 %

Posting Date: 18-Apr-2015
Transaction amount: 52.50 EUR
Amount charged: 212.32 MYR
Effective rate: 52.50 EUR => 208.16 MYR
Difference: ( 212.32 - 208.16 ) / 208.16 = 2 %