CITIBANK PLATINUM
citibank statement didn't list out posted date, so mostly i calculate base on the day after transaction date.

transaction date: 13/01/2015
amount: SGD 29.00
amount charged: MYR80.19
bank rate: 2.7651
visa rate: 2.6981 estimated posted date: 14/01
fee: 2.48%

transaction date: 14/01/2015
amount: CHF 628.80
amount charged: MYR 2661.53
bank rate: 4.2327
visa rate: 4.0829 (guess it's posted when swiss franc surges on 16/01. bcoz on 14/01 its only 3.5511)
fee: 3.66%

transaction date: 19/01/2015
amount: USD 50.00
amount charged: MYR 185.17
bank rate: 3.7034
visa rate: 3.5726 estimated posted date: 20/01
fee: 3.66%

transaction date: 27/01/2015
amount: SGD 15.98
amount charged: MYR 44.20
bank rate: 2.7659
visa rate: 2.6945 estimated posted date: 28/01
fee: 2.64%

transaction date: 28/01/2015
amount: SGD 412.00
amount charged: MYR 1144.76
bank rate: 2.7785
visa rate: 2.7110 estimated posted date: 29/01
fee: 2.48%

transaction date: 30/01/2015
amount: EUR 1179.48
amount charged: MYR 4996.07
bank rate: 4.235
visa rate: 4.131 estimated posted date: 31/01
fee: 2.51%

transaction date: 09/02/2015
amount: JPY 13,870
amount charged: MYR 429.82
bank rate: 0.03098
visa rate: 0.03006 estimated posted date: 10/02
fee: 3.06%

transaction date: 08/02/2015
amount: JPY 36,500
amount charged: MYR 1131.12
bank rate: 0.03098
visa rate: 0.03041 estimated posted date: 09/02
fee: 1.87%

transaction date: 26/02/2015
amount: EUR 2708.00
amount charged: MYR 11410.80
bank rate: 4.213
visa rate: 4.100 estimated posted date: 27/02
fee: 2.75%

transaction date: 18/3/2015
amount: AED 3115.00
amount charged: MYR 3223.44
bank rate: 1.034
visa rate: 1.008 estimated posted date: 19/02
fee: 2.50%

transaction date: 08/04/2015
amount: EUR 259.60
amount charged: MYR 1044.47
bank rate: 4.023
visa rate: 3.939 estimated posted date: 11/04
fee: 2.13%



MAYBANK 2 Mastercard Platinum

transaction date: 24/03/2015
amount: SGD 117.20
amount charged: MYR 319.84
bank rate: 2.7290 posted date: 25/03
visa rate: 2.6762
fee: 1.97%

transaction date: 27/04/2015
amount: AED 3055.00
amount charged: MYR 3024.49
bank rate: 0.9900 posted date: 29/04
visa rate: 0.9696
fee: 2.10%

transaction date: 09/05/2015
amount: AED 3055.00
amount charged: MYR 3049.04
bank rate: 0.9980 posted date: 11/05
visa rate: 0.9814
fee: 1.69%



Maybank Visa Infinite

transaction date:
amount: SGD 24.20
amount charged: MYR 67.08
bank rate: 2.771 posted date: 20/05
visa rate: 2.710
fee: 2.25%

Maybank Amex Reserve

transaction date: 16/06/15
amount: SGD 129.00
amount charged: MYR 370.29
bank rate: 2.870 posted date: 17/06
amex rate: 2.784
fee: 3.09%

transaction date: 11/06/15
amount: AED 3035
amount charged: MYR 3172.66
bank rate: 1.045 posted date: 12/06
amex rate: 1.019
fee: 2.55%

may i know amex have any official website to check amex exchange rate?
currently im using http://www.oanda.com/currency/converter/

Maybank Visa Infinite

transaction date: 07-Jul-2015
amount: SGD 39.71
amount charged: RM 114.79
bank rate: 2.8907 posted date: 09-Jul-2015
visa rate: 2.827021
fee: 2.252%

transaction date: 07-Jul-2015
amount: SGD 64.80
amount charged: RM 187.54
bank rate: 2.8941 posted date: 08-Jul-2015
visa rate: 2.833361
fee: 2.143%

transaction date: 07-Jul-2015
amount: SGD 111.50
amount charged: RM 322.69
bank rate: 2.8941 posted date: 08-Jul-2015
visa rate: 2.833361
fee: 2.143%

transaction date: 05-Jul-2015
amount: SGD 111.50
amount charged: RM 321.12
bank rate: 2.8800 posted date: 06-Jul-2015
visa rate: 2.816422
fee: 2.25%


to those who wanna use MBB 2card Premier in Singapore, Amex Reserve +-3.00% , Visa Infinite +-2.25%.

This post has been edited by genkis3: Jul 11 2015, 06:47 PM

for me, calculate the differentiate between bank and visa rate, then divide by visa rate.

example

amount: SGD 39.71

amount charged: RM 114.79

114.79 /39.71 = 2.8907 <<<< bank rate

bank rate: 2.8907 posted date: 09-Jul-2015

visa rate: 2.827021 <<<< go check visa currency rate on posted date 09-Jul-2015

fee: 2.252% <<<< (2.8907 - 2.827021 / 2.827021)

pls correct me if im wrong

i've purposely used both MBB 2 premier amex & visa in gallery lafayette last week. Both transaction in same date and same posting date.

Maybank Visa Infinite
transaction date: 22/07/15
posted date: 23/07/15
amount: EU 108.42
amount charged: MYR 463.55
bank rate: 4.2755
visa rate: 4.1793
fee: 2.30%

Maybank Amex Reserve
transaction date: 22/07/15
posted date: 23/07/15
amount: EU 245.00
amount charged: MYR 1046.52
bank rate: 4.2715
oanda rate: 4.1447
fee: 3.05%

from here u see the amex reserve charge higher fee at 3.05%. visa infinite just 2.30%
but the amex bank rate is lower at 4.2715 , compare to visa bank rate 4.2755
at the end u get cheaper by using amex, even with higher bank fee.
suspect because of oanda rate is too low...