Citibank Clear VISA
Transaction Date: 08-Oct-2014
Posting Date: 09-Oct-2014
Transaction amount: GBP230
Amount charged: RM1249.16
Effective rate: 1 GBP = 5.4311 Malaysian Ringgit
Quoted Rate: 1 GBP = 5.297875 Malaysian Ringgit
Effective Charge: 2.5%

is it me or is that high?

EDIT: update correct posting date

This post has been edited by adele123: Oct 19 2014, 02:06 PM

Transaction Type	CIMB Cash Rebate
Transaction Date	27/02/2016
Posting Date	01/03/2016
Transaction amount	GBP252
Amount charged	RM1523.23
rate	1myr=0.1654379
master rate	1myr=gbp0.168744
Difference	2%

EDIT: this is kinda high... i used the wrong rate?

EDIT: updated

This post has been edited by adele123: Apr 14 2016, 01:15 PM

Mastercard website lo. the link on the first post. i used posting date. not transaction date...

Transaction Type: CIMB Cash Rebate
Transaction Date: 11/04/2016
Posting Date: 13/04/2016
Transaction Amount: Euro 112
Amount Charged: MYR507.5
Rate: 4.53125
MasterCard Rate: 4.401223 (posting date) vs 4.439883 (transaction date)
Difference: 2.95% vs 2.05%

posting date or transaction date?

Thanks for the pointer. Now it makes sense.

at least i am getting back cash rebate from cimb.

Transaction Type: CIMB Cash Rebate
Transaction Date: 21/04/2016
Posting Date: 23/04/2016
Transaction Amount: GBP 94.5
Amount Charged: MYR541.21
Rate: 0.174709
MasterCard Rate: 0.178107
Difference: 1.96% about 2%

Transaction Type: Citibank Clear Visa
Transaction Date: 25/05/2016
Posting Date: 26/05/2016
Transaction Amount: EUR 62.10
Amount Charged: MYR293.02
Bank Rate: 4.71851852
Visa Rate @ 25/05: 4.640018
Difference: 1.7%

Transaction Type: UOB Vox Visa
Transaction Date: 25/05/2016
Posting Date: 27/05/2016
Transaction Amount: EUR 62.10
Amount Charged: MYR292.47
Bank Rate: 4.709662
Visa Rate @25/05: 4.640018 and @27/05 4.596627
Difference: 1.5% vs 2.46%

This post has been edited by adele123: Dec 30 2016, 12:01 AM

Abit late

Citibank Clear Visa Card

Transaction Date	Posting Date	Amount in foreign currency	Amount in MYR	Exchange Rate	Visa Rate (posting date)	Fee %
25/05/2016	26/05/2016	EUR 62.10	293.02	4.718519	4.607408	2.41%
24/08/2016	25/08/2016	GBP 520	2862.85	5.505481	5.375705	2.41%
11/10/2016	12/10/2016	GBP 355	1880.44	5.297014	5.172134	2.41%
11/10/2016	12/10/2016	GBP 238	1260.68	5.296975	5.172134	2.41%

My calculation is based on posting date. If I use transaction date, a different fee % for transactions of different date. Looks like Citibank I managed to get the transaction fee across 3 dates and 2 currencies. Repost my May transaction for comparison.


This post has been edited by adele123: Dec 6 2016, 11:03 AM

Uob yolo platinum
Transaction date 26/12/2016
Posting date 28/12/2016
Amount SGD34.95
Bank charged rm111.00
Visa rate @28/12/2016 3.098751
Bank charge 3.17597
Bank rate 2.5%

Cimb cash rebate platinum
Transaction date 26/12/2016
Posting date 27/12/2016
Amount sgd34.95
Bank charged 110.29
Master rate @ 26/12/2016 3.093723
Bank charge 3.15565
Bank rate 2%

ProxMatoR based on my observation, cimb consistently charges me 2%. My calculation is based on a previous explanation but a forummer here too.

This post has been edited by adele123: Dec 30 2016, 12:02 AM

UOB Visa, YOLO.

Transaction Date	Posting Date	Amount in foreign currency	Amount in MYR	Exchange Rate	Visa Rate	Fee %
12/03/2017	14/03/2017	TWD 6116	899.87	0.147134	0.143939	2.21%
26/12/2016	28/12/2016	SGD34.95	111	3.175966	3.107131	2.21%

Visa rate is based on transaction date/one day after transaction date, as both cases are the same.

If based on posting date, SGD is 2.5% and TWD is 2.25%. I dont think posting date is the key here.

Would be glad if someone can provide their input.

This post has been edited by adele123: Mar 15 2017, 08:05 AM