sorry, what's the difference of maybank 2 card platinum and maybank 2 platinum?

Local Banks
- Maybank2C VISA/MasterCard : 2.26% (~ 1% + 1.25%)
- Maybank2C AMEX : 2.5%
- Maybank American Express with Maybank logo on top : 2.8-3%
- American Express : 2.8 -3%
- CIMB Bank : (cashback plat) 2.53% (should be ~ 1% + 1.5%)
- Public Bank : 1.25%, (visa signature) 1.0125%
- RHB Bank : (master plat) 1.02%
- AmBank :
- Hong Leong Bank VISA/MasterCard:
- EON Bank :
- Affin Bank :
- Alliance :
- Aeon: (gold) 1.5% (watami) 0.8-1.2%

Foreign Banks
- HSBC : (visa plat) 2.27% (should be ~ 1% + 1.25%)
- OCBC bank :
- Standard Chartered :
- UOB Bank :
- Citibank : 1% + 1.4% (= 2.414%)
(if SGD, it is just 0.5%. surprising)

btw, as updating from someone's info, it is realised that the visa / master rate was on the transaction date. it should use posting date.

This post has been edited by ProxMatoR: Dec 2 2016, 02:55 PM

yeah, genx's reader (or iFriend) wrote an article that his AM World MC has just 1% (refer here). But it is unknown on AM VI, but should be also just 1% since both are enjoying equivalent benefits? (since their AM VI Priority is only available in VI, no master)

I guess that's about the corporation within AM and MC/VISA? these years MC is pretty aggressive, maybe that's why giving AM adv compared to VISA? hahaha...

which I wonder why some banks has wide range of surcharge rate rather than a fixed rate........

It looks fine to me tho. 1% + 1.4% = 2.414%

VISA RATE should use POSTING date, not transaction date.

Local Banks
- Maybank2C VISA/MasterCard : 2.26% (~ 1% + 1.25%)
- Maybank2C AMEX : 2.5%
- Maybank American Express with Maybank logo on top : 2.8-3%
- American Express : 2.8 -3%
- CIMB Bank : (cashback plat) 2.53% (should be ~ 1% + 1.5%)
- CIMB BANK (MC) 2%
- Public Bank : 1.25%, (visa signature) 1.0125%
- RHB Bank : (master plat) 1.02%
- AmBank :
- Hong Leong Bank VISA/MasterCard:
- EON Bank :
- Affin Bank :
- Alliance :
- Aeon: (gold) 1.5% (watami) 0.8-1.2%

Foreign Banks
- HSBC : (visa plat) 2.27% (should be ~ 1% + 1.25%)
- OCBC bank :
- Standard Chartered :
- UOB Bank : (YOLO) 2.5%
- Citibank : 1% + 1.4% (= 2.414%)
(if SGD, it is just 0.5%. surprising)

Wonder if anyone has citibank MC card for us to compare... haha

adele123 surprised that UOB is from SG, but they still charge 2.5% if you spend in SGD, unlike CITI, charge only 0.5%......

This post has been edited by ProxMatoR: Jan 7 2017, 11:08 AM

but CITI doesn't charge 2.5%, just 0.5%.

I'm not sure about AMEX, but for VISA, you can visit:

https://usa.visa.com/support/consumer/trave...alculator.html/

https://travel.visa.com/apcemea/my/en/travel-tools.html

both are identical rate

China DO NOT accept any other card.... only UNIONPAY. So, either you go to BOC (bank of china), or MBB to apply. And, if not mistaken, there are different UNIONPAY card, there is specific initial 4 digit card to be accepted in China.

1% is the admin fee. they will have forex rate charge too. so, it will add to 2.2 - 2.25

hope this clarifies.

Local Banks
- Maybank2C VISA/MasterCard : 2.26% (~ 1% + 1.25%)
- Maybank2C AMEX : 2.5%
- Maybank American Express with Maybank logo on top : 2.8-3%
- American Express : 2.8 -3%
- CIMB Bank : (cashback plat) 2.53% (should be ~ 1% + 1.5%)
- CIMB BANK (MC) 2%
- Public Bank : 1.25%, (VS) 1.0125%
- RHB Bank : (master plat) 1.02%
- AmBank : (VISA) 2.0 to 2.2% (WM) 1%
- HLB VISA/MasterCard:
- EON Bank :
- Affin Bank :
- Alliance : (VISA) 2.17%
- Aeon: (gold) 1.5% (watami) 0.8-1.2%

Foreign Banks
- HSBC : (visa plat) 2.27% (should be ~ 1% + 1.25%)
- OCBC bank :
- Standard Chartered :
- UOB Bank : (YOLO) 2.5%
- Citibank : 1% + 1.4% (= 2.414%)
(if SGD, it is just 0.5%. surprising)

Sorry, I didn't mean the entire China. I meant that nearly whole China... in fact, most of the places who accept VISA / MASTER / AMEX are big hotels / big companies that deals foreigner clients the most, which easily found in Beijing and Shanghai....

Thanks for your correction!

yes, I personally think MBB don't have too.... I have no idea why, but I consulted with BoC, they said you can find out with MBB... and actually I think Ambank has it? PBB has it? why no refer to them instead? lol

pls correct me if i'm wrong....

will you consider Ambank World Master?

reason being:
1. free annual fee (wins)
2. low forex charge (only 1% admin fee) (wins)
3. 5x points for all overseas expenses (not included for online)
4. 5,000points for 1,000 airmiles (cathay, mas, singaporeair). this converts to 1RM to 1airmiles (its just losing that 0.1mile per RM)

AFAIK, ambank WM and VI both has unlimited lounge access. that is a big win over HSBC if you consider that...

oh ya, it is not with priority pass, it is just plaza premium lounge.... oops... hahaha

you have established relationship with hsbc.... else if speaking of priority pass, I can think of UOB PBVI, just 6x per year tho. annual fee waived.

That was based on my transaction record. It was online AA booking in SGD (flight from SIN).

recommended to use foreign currency.

Last year, oversea hotel accidentally charged me at MYR (eventhough I told them to charge in foreign currency, but it was offline transaction. Another person updated the transaction by selecting MYR).

That created additional charges by MY citibank towards me.

This post has been edited by ProxMatoR: Jun 27 2017, 10:33 PM

Ah! Yes! DCC!

I will recommend MB2C AMEX, 5x points, 2.5% conversion rate. USD149 is not big amount, that additional 0.xx% on forex rate won't kill you, if you not mind. and btw, I think the weekend CB is not applicable for online purchase. sifus out there correct me if I'm wrong.

no, AMEX is 2.5% straight, no additional charges. VISA / MASTER 1% is just the admin fee. there is another 1.5% or +/- for forex rate. hope this clarifies.

what do you mean by lower? how much lower comparing % to %?


just to confirm, is your card WMC?

I don't know where you get the exchange rate.... but from my checking, it is RM284.24 at 6/7 transaction date

for transaction exchange rate for mastercard: https://www.mastercard.us/en-us/consumers/g...t-currency.html

This post has been edited by ProxMatoR: Jul 13 2017, 05:23 PM

for VISA, please use https://usa.visa.com/support/consumer/trave...alculator.html/

for MASTERCARD, please use https://www.mastercard.us/en-us/consumers/g...t-currency.html

VISA and MASTERCARD uses their own rate, which usually slightly differs from xe.com.

xe.com is just general exchange rate for everyone to refer, but won't be the final reference rate. final reference rate shall refer to banks or money exchanger.

btw, weird that your VI rate is higher than AMEX rate.. others reported here looks like the other way round of your rate... hahaha.....

This post has been edited by ProxMatoR: Jul 15 2017, 07:28 PM

Seriously? Not taking effort to read through eh?

There is a list in between the discussion updated from time to time..... Why not take some effort to view through?