OCBC titanium is not cheaper even with 1% rebate on all other transactions?
ignore the rebate cap

UOB VOX VISA
03 JUN SGD 14.22 = RM36.11 2.539
05 JUN SGD 99.00 = RM252.17 2.547
13 JUL SGD 66.30 = RM171.41 2.585


MBB AMEX
27-Jul-13 S$39.80 RM103.22 2.593
21-Jul-13 S$98.00 RM254.41 2.596
20-Jul-13 S$4.65 RM12.08 2.598
29-Jun-13 S$26.00 RM67.38 2.591
22-Jun-13 S$133.84 RM345.74 2.583
15-Jun-13 S$53.10 RM137.28 2.585
18-May-13 S$133.83 RM331.66 2.478

OCBC TITANIUM
27 Jul 13 S$76.20 RM196.61 2.580

This post has been edited by nothingz: Aug 13 2013, 11:48 AM

i tried UOB for sgd transaction, the rate is quite expensive, comparable with Amex. not sure bout Euros

CIMB Cash Rebate Platinum Mastercard

Transaction Date : 19 March
Posting Date : 22 March
Transaction Amount : SGD 18.5
Amount Charged : RM48.83
Exchange Rate : 2.63946
Visa 0% Rate : 2.596662
Admin Fee : 1.65% (include 0.8% cross border fee)

much lower than yours even with cross border fee 0.8% (note sure whether HLB has it). Anyway, mine got 5% rebate due to online transaction

UOB Vox Visa Card

Transaction Date : 19 March
Posting Date : 21 March
Transaction Amount : SGD 55
Amount Charged : RM146.18
Exchange Rate : 2.657818
Visa 0% Rate : 2.596662
Admin Fee : 2.355%

again it is online transaction with 5% rebate. therefore the effective rate is much lower than the visa 0% spot rate

i think i should move my overseas online transaction to CIMB Cash Rebate Platinum Mastercard due to its lower admin even with 0.8% cross border fee


This post has been edited by nothingz: Mar 23 2014, 05:35 PM

oh, ok.

this is the first time i really compare their rates. i thought CIMB's forex rate is similar to UOB, from this comparison, i can see the difference already