50% of my credit card transactions are in Euro and 30% in JPY.

My experience so far is that roughly 60% of the times maybank amex reserve is lower than maybank visa infinite, I'm not sure why though...

I'm currently applying for a Ambank WMC which would be useful for non online transactions outside of Malaysia (almost the same amount of miles as maybank 2 premier but lower exchange rate)...

Even with the exchange fee, it's still a better deal to use my malaysia cc than a credit card in euros considering the amount of miles I get.

This post has been edited by gommm: Jul 6 2017, 09:41 PM

The visa infinite is often around 2.5% higher than the exchange rate I can see on xe and the Amex is often around 2.2% higher than the exchange rate from xe.com...

There's variance, but from what I can see, usually amex tends to have a slightly lower surcharge when paying in Euros.