Do you have OCBC debit MasterCard ? It claims to have 0% foreign transaction fee too.

Hong Leong I’m MasterCard is another credit card that claims to have 0% foreign transaction fee. I had used it in THB but the final amount was far higher than MasterCard’s rate on posting date.

Hi. Bigpay now no longer offer Mastercard.
Before this, if not mistaken, I think mastercard oversea spending is 0% charges.
Now for Visa card, there seems to be a charges, but I am not sure how much.
Maybe between 0.3% - 0.6%.
As Visa follows posted date, but Bigpay does not show any information on posted date.
Difficult to track isn't? Anyone knows the rate?

any senpai can help? currently i have 3 cards:

1. normal maybank visa credit card
2. ambank mastercard
3. bigpay

im going to korea soon, which one would u recommend me to use there and which one for atm withdrawal? help2

Thanks for your advice senpai. Since i might need some cash, is it better to withdraw cash from Bigpay as well? I have debit card from ambank (and maybank too).

anyone try use tng visa at Japan?  my friend will be in exchange program to Japan for 2 month. ATM withdrawal can be done? any charges/fee?

For RHB/Wise/HLB, did you convert from MYR to USD first and use USD balance. Or straightaway use MYR balance?

good sharing by 3 prepaid cards: Wise, Bigpay, TNG

Credit Card- OCBC 365 Mastercard
Debit Card- Standard Chartered Jumpstart Mastercard/RHB Multi Currency Visa
Prepaid Card- Wise Visa

Among all these, my absolute favourite is SCB Jumpstart as it has absolutely zero markup from Mastercard rate and free withdrawal for foreign cash outside of Malaysia. I find this to give the best rate.

RHB Multi Currency is good too, better rate than even Wise. It is just that you need to convert MYR to foreign currency beforehand to make it worthwhile. Transactions in 16 foreign currencies have zero fees, but if you have insufficient balance in foreign currencies, it will deduct Ringgit balance and attract 1% fee.

SCB Jumpstart no need to convert anything, zero fee, it will deduct the ringgit balance at the exact mastercard exchange rate at that time.

Can't figure out what's the difference between these 2, rates are different. It mentioned "*ONLY APPLICABLE FOR Multi Currency Account/-i DEBIT CARD HOLDER", still dk what it means .Anyone care to explain?

OCBC 365 is no longer the best credit card for overseas usage. 1% surcharge is applied, starting from 26 August.



The alternative to that is Hong Leong I'm card. Still 0% surcharge

No additional fee for I'm card.

1% visa/MasterCard fee is applicable to all cards, we can't run away from this

1% - mastercard/visa fees
1% or more- bank fees

To save cost/fees, there is where wise shine.

Time to stop using BigPay.

SCB jumpstart overall rate is better than wise in Korea.

So, right now what’s your best pick will be? Like this?

1. JumpStart
2. Wise
3. RHB Multi (after conversion)

yes, japanese currency also, they follow master card convertion and with 0 fee, included atm withdraw, tested

any idea the online cash back got extant? sad it end sept.

anyone have the latest TNG visa card foreign mark up fee ?

When a card has a benefit of No foreign exchange fee, means it is direct exchanged based on ecaxt rate with no mark-up from the bank and visa?

Standard Chartered Bank has refreshed its JumpStart cashback campaign, which allows JumpStart account holders to earn 5% cashback when they spend on online retail purchases using their JumpStart debit card-i. With this, this campaign will now run from today until 30 September 2024.

https://ringgitplus.com/en/blog/bank-news/s...purchases.html/