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 Credit Card Foreign Exchange Rate

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jefftan4888
post Aug 20 2019, 01:51 PM

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QUOTE(comme_play @ Aug 16 2019, 11:38 PM)
if my calculation is right, assuming 1 USD = 4.18 MYR:

If I charge USD460 to Amex Card:-
USD460 x 4.18 x 1.005 x 1.025 - RM50 cashback = RM1930.724

If I charge USD460 to BigPay:-
USD460 x 4.18 = RM1922.80

So UOB YOLO + BigPay should be the winner here, even without considering the online cashback on UOB YOLO card

However, for USD82 visa fee, Amex is the winner as:

Amex
USD82 x 4.18 x 1.005 x 1.025 - RM17.65 cashback = RM335.435

BigPay
USD82 x 4.18 = RM342.76(without deducting possible 8% cashback for online transactions for UOB YOLO card)
*
Are you sure reloading YOLO to BP will entitle CB?
jefftan4888
post Sep 21 2019, 02:12 PM

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QUOTE(thesoothsayer @ Sep 16 2019, 06:41 AM)
Just used PBB VS the other day and the rates are 2.12%.
USD 445 - MYR1,901.91

On the visa website, it's the below for 0%:
USD 445 - MYR1,862.361045
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• 2% Cash MegaBonus for overseas retail purchases

PBVI has the above feature. I’ve confirmed with CS that it’s applicable for online purchase with foreign currency.

So I think it’s more or less same rate if I use either PBVI or BP.
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