International Transactions
Transactions incurred will be converted to Ringgit Malaysia using US Dollars as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by VISA International/MasterCard Worldwide at its absolute discretion plus administration cost which is to be imposed by the card issuing bank. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
Rates are below:

Local Banks
- Maybank VISA/MasterCard : 1%
- Maybank American Express with Maybank logo on top : 2.5%
- American Express : 0.5% + 2.5%
- CIMB Bank : 1%
- Public Bank : 1.25%
- RHB Bank :
- AmBank :
- Hong Leong Bank VISA/MasterCard: 1%
- EON Bank : 1%
- Affin Bank :
- Alliance : 1%

Foreign Banks
- HSBC : 1.25%
- OCBC bank : 1%
- Standard Chartered : 1%
- UOB Bank : 1%
- Citibank : 1%

Exchange rate estimator :
http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp
Mastercard Global Forex Rates
[url=http://www.oanda.com/convert/classic?user=americanexpress]
[url=https://www.fx4you.com/australia/americanexpress/converter/convert.cfm]
Please post all your foreign transactions here so we can compare the rates. Kindly include the
- transaction date
- amount charged in foreign currency
- amount billed in MYR
- final exchange rate

I have included the users posted rate in the first post.

I have included the users posted rate in the first post.

Just called cimb. For overseas spending, admin fee is 1%.  Rebate is 1%.

I have included the users posted rate in the first post.

Yes.  I think it's better than changing cash at money changer.

You only live once ? That's the origin of YOLO...

Just called cimb. For overseas spending, admin fee is 1%.  Rebate is 1%.

Noob Question.

Did a transaction last week, on a world master card.

Using https://www.mastercard.us/en-us/consumers/g...t-currency.html

IF I set the bank fees to 1.9%, it will match the cost of item and what is shown on my statement.

Does this already include the 1% foreign exchange charge by mastercard?
So it is 1% + 0.9% bank charge?

Seems decent enough? (Not as good as ambank WMC i know)

2/8/17 MBB Visa Signature Thai Baht 100=RM13.20, Money changer rate RM12.86 Not worth using credit card

yeah, I second that...
yeah, basically it is just a card. no other benefit beside the one you just mentioned. lol

I try both the hong leong essential and im card,
essential is 2%
and im card is 1%.

just test the hong leong I'm card:

Transaction Date: 31 Jan 2017
Transaction amount: THB 2,714.00
Amount charged: RM 346.12
Bank Fee:  1.00%
from the card statement, how much I save compared to other card like essential, mach, wise??
I always assume it is 0% fee?? :confused:

Thanks.

So i recalculated based on posting date.

Found out that using CIMB Cash Rebate MC

Trans date - July 12
post date July 18
GBP
1.71%

Trans date - Nov 24
post date Nov 26
GBP
2%

Mayban2Card VISA

Trans date - May 30
Post date May 31
GBP
2.25%

Trans date - May 31st
Post date - June 1
GBP
2.25%

Yes, it is. basically it only charge admin fee, no forex charge.
out of curiosity, why you no use ambank WMC? hahaha... since you have VI, should got WMC too right?