Thanks for the info. Meaning for this year GXBank will be a better option for overseas spending ya? Since the 1.2% is waived till 31/12 as per some posts here.

Also I read that it's better to ask the overseas merchant to charge in their foreign currency instead of converted one ya? Since their conversion rate will always be higher?

Thanks

I see, meaning that TnG visa is also 0% on forex now? so both TnG visa and gxbank will have the same rate?