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 Credit Card Foreign Exchange Rate

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nestahng
post Dec 15 2013, 01:22 AM

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QUOTE(parsona @ Dec 4 2013, 04:37 PM)
Japanese Yen to Malaysian Ringgit
December 3, 2013
1 JPY = 0.031536 MYR VISA, 0.0315112589 MYR SPOT
December 2, 2013
1 JPY = 0.031659 MYR VISA, 0.0312037840 MYR SPOT
December 1, 2013
1 JPY = 0.031659 MYR VISA, 0.0314685605 MYR SPOT
November 30, 2013
1 JPY = 0.031659 MYR VISA, 0.0314642726 MYR SPOT
November 27, 2013
1 JPY = 0.031831 MYR VISA, 0.0316585351 MYR SPOT
Citibank Premiermiles Visa
27/11/2013 RM 27.31 840 yen
effective rate: 0.032512, 2.09% over visa, 2.65% over spot

30/11/2013 RM 53.02  1640 yen
effective rate: 0.032329, 2.07% over visa, 2.68% over spot

01/12/2013  RM 93.01  2877 yen
effective rate: 0.032329, 2.07% over visa, 2.66% over spot
Aeon Watami Visa
02/12  Rm 14.09  450 yen
effective rate: 0.031311, -1.1% over visa, 0.34% over spot

02/12    RM 450.85 14400 yen
effective rate: 0.031309, -1.12% over visa, 0.34% over spot

30/11  RM 123.98  3960 yen
effective rate: 0.031308, -1.1% over visa, -0.5% over spot

01/12  RM 95.34 3045 yen
effective rate: 0.031310, -1.11% over visa, -0.51% over spot


Maybank2 Amex
30/11/13  RM 116.23 3591 yen 
effective rate: 0.032367, 2.79% over spot
*
I'm comparing the exchange rate for Maybank2 Amex & Aeon Watami Visa. Let's take transaction on 30/11 for calculation.

Before factor in 5X TP by Maybank2 Amex:

Maybank2 Amex Exchange rate: 116.23 MYR / 3591 yen = 0.0323670287
Aeon Watami Visa Exchange rate: 123.98 MYR / 3960 yen = 0.0313080808


After factor in 5X TP by Maybank2 Amex(Which equivalent to 2% cash back):

Maybank2 Amex Exchange rate: (116.23 * 0.98) MYR / 3591 yen = 0.0317196881
Aeon Watami Visa Exchange rate: 123.98 MYR / 3960 yen = 0.0313080808


So, Aeon Watami Visa the king for oversea spending? Does this only applied to Japanese Yen since Aeon are from Japan?
nestahng
post Dec 17 2013, 02:42 PM

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Hi bearbear bro,

3% rebate? With Aeon watami?
nestahng
post Jan 11 2015, 07:42 AM

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Maybank VI
Transaction Date: 21-Dec-2014
Posting Date: 23-Dec-2014
Transaction amount: EUR 100
Amount charged: RM437.74
Effective rate: 1 Euro = 4.280929 Malaysian Ringgit
Difference - 2.2535%

Transaction Date: 24-Dec-2014
Posting Date: 25-Dec-2014
Transaction amount: EUR 33
Amount charged: RM144.28
Effective rate: 1 Euro = 4.275623 Malaysian Ringgit
Difference - 2.2569%

Transaction Date: 25-Dec-2014
Posting Date: 26-Dec-2014
Transaction amount: EUR 102.3
Amount charged: RM447.26
Effective rate: 1 Euro = 4.275623 Malaysian Ringgit
Difference - 2.2551%

Transaction Date: 25-Dec-2014
Posting Date: 27-Dec-2014
Transaction amount: EUR 93.5
Amount charged: RM409.41
Effective rate: 1 Euro = 4.28209 Malaysian Ringgit
Difference - 2.2565%

Transaction Date: 28-Dec-2014
Posting Date: 30-Dec-2014
Transaction amount: EUR 100
Amount charged: RM437.37
Effective rate: 1 Euro = 4.277195 Malaysian Ringgit
Difference - 2.2563%
nestahng
post Jan 11 2015, 07:48 AM

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Hi all sifu,

How do I get the foreign exchange rate for my Maybank Amex card?
nestahng
post Jan 20 2015, 07:12 AM

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QUOTE(DarReNz @ Jan 15 2015, 01:23 PM)
you should use this link http://www.oanda.com/currency/classic-converter

just convert the currency to USD then to MYR then you will know the difference
*
Bro Darrenz,

My transaction are in Euro. So I would need to convert the amount spent in Euro -> USD -> MYR ? Since it's 2 times transaction so I guess the exchange rate would be worse than Visa/Master?
nestahng
post Jan 20 2015, 07:19 AM

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Maybank VI

Transaction Date: 12-Jan-2015
Posting Date: 13-Jan-2015
Transaction amount: DKK 395
Amount charged: RM230.15
Effective rate: 1 DKK = 0.569823 Malaysian Ringgit
Difference - 2.2525%
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