hi.. i have recently used my UOB prvi miles elite for 2 agoda hotel booking but the FX rate charged were significantly different:

both transaction were on same date, and probably same minute, using same card, paying JPY (as stated in agoda), but the rate charged (manually recalculate back based on MYR charged to my card) were RM295+ and RM314+ respectively, per 10k JPY. Based on the lower rate, i would have pay RM100+ less.

tried calling UOB, which they request me to check with mastercard. mastercard then redirect me back to UOB malaysia

meanwhile UOB advise me to wait for the transaction to be effective onto my statement before they can do further investigation.

any 1 has experience with this?