based on this thread, can i safely conclude that mastercard rate is better than visa?

what about banks? cimb mc, maybank mc, maybank visa, hong leong visa or ambank visa?

for overseas spending, can i confirm that it is based on these 2 factors?
1. foreign exchange (based on exchange rate by mastercard, visa, amex)
2. overseas transaction fees (imposed by banks)

1. for foreign exchange - it is generally accepted that mastercard offers better exchange rates compared to visa?

2. for overseas transaction fees
- public bank > aeon > maybank > cimb - for same type of card
- what about hong leong bank, ambank ?