Anyone is using ocbc 365 credit card for the payment of foreign currency? The card has no foreign exchange mark up fee, does it cheaper if used it and same rate as bigpay card?

Thanks, then can use ocbc365 cc next time for foreign currency purchase since same rate as bigpay and bigpay credit card top up had been reduced.

I bought something online with OCBC 365 credit card for 100€ and the final amount was RM490.20 but the rate on the posting date was RM485.35. So there's about 1% of charge.

if in this case , which mean bigpay still better?
or since having 1% charge and cash back , both will have the same cost ?

Which mean ,in these case
Ocbc 365 will win as got cash back right ?

Transactions made in Indonesia on 17 September 2022

MAE Debit Card Visa
IDR: 205,850
MYR: 63.33
Exchange Rate: 3250.43 IDR per MYR

BigPay Debit Card Visa
IDR: 1,000,000
MYR: 305.89
Exchange Rate: 3269.15 IDR per MYR

OCBC 365 Credit Card Mastercard
IDR: 210,430
MYR: 64.62
Exchange Rate: 3256.42 IDR per MYR

Hong Leong I'm Credit Card Mastercard
IDR: 80,475
MYR: 24.71
Exchange Rate: 3256.78 IDR per MYR

Mastercard Exchange Rate: 3288.39 IDR per MYR
Visa Exchange Rate: 3291.39 IDR per MYR

Conclusion: All these cards advertise zero FX markup, but it's clear that AirAsia Bigpay remains the best card for overseas transaction, MAE the worst. However do note that OCBC 365 has 1% cashback for spending until RM1000, and 0.5% unlimited cashback thereafter. Hence after cashback, OCBC 365 rate will be even better than bigpay