Hi guys, say I need to buy something online in USD. I have citibank, uob and HLA Mach credit card. Which one should I use that have better conversion rate to MYR?

I saw the admin fees of both citibank and uob is the same, 1%. So does this means it will depend on the bank foreign conversion rate?

Also, does buying on weekday versus weekends have any difference? I recall reading something about maybank charging higher admin fees for weekend transaction, I could be wrong.

Thanks in advance!

Hi bro, thanks for the quick reply! I only got these 3 credit cards so gotta use either one of them haha.