Citibank VISA
Transaction date : 4 October 2012
Posted date : 5 October 2012
Amount charged in foreign currency : GMP59.77
Amount billed in MYR : RM302.33
Final exchange rate : GBP1= RM5.0582

Maybankard2 VISA
Transaction date : 23 October 2012
Posted date : 25 October 2012
Amount charged in foreign currency : KRW73,510
Amount billed in MYR : RM206.94
Final exchange rate : KRW1,000= RM2.8151

Maybankard2 VISA
Transaction date : 24 October 2012
Posted date : 30 October 2012
Amount charged in foreign currency : TWD1,096
Amount billed in MYR : RM116.04
Final exchange rate : TWD100 = RM10.5876

Maybankard2 VISA
Transaction date : 27 October 2012
Posted date : 30 October 2012
Amount charged in foreign currency : PHP1,312.16
Amount billed in MYR : RM98.59
Final exchange rate : PHP100 = RM7.5136

Maybankard2 VISA
Transaction date : 27 October 2012
Posted date : 30 October 2012
Amount charged in foreign currency : PHP1,249
Amount billed in MYR : RM93.84
Final exchange rate : PHP100 = RM7.5132

Citibank Cash Back VISA
Transaction date : 27 October 2012
Posted date : 30 October 2012
Amount charged in foreign currency : PHP7,214.47
Amount billed in MYR : RM546.09
Final exchange rate : PHP100 = RM7.5694

Maybankard2 VISA
Transaction date : 1 November 2012
Posted date : 2 November 2012
Amount charged in foreign currency : GBP38.33
Amount billed in MYR : RM191.96
Final exchange rate : GBP1 = RM5.0081

Maybankard2 VISA
Transaction date : 4 November 2012
Posted date : 6 November 2012
Amount charged in foreign currency : PHP949
Amount billed in MYR : RM71.49
Final exchange rate : PHP100 = RM7.5332

Maybankard2 VISA
Transaction date : 4 November 2012
Posted date : 6 November 2012
Amount charged in foreign currency : PHP1,328.32
Amount billed in MYR : RM100.06
Final exchange rate : PHP100 = RM7.5328

Maybankard2 VISA
Transaction date : 9 November 2012
Posted date : 12 November 2012
Amount charged in foreign currency : TWD2,687
Amount billed in MYR : RM286.77
Final exchange rate : TWD100 = RM10.6725

Maybankard2 VISA
Transaction date : 12 November 2012
Posted date : 15 November 2012
Amount charged in foreign currency : PHP7,766
Amount billed in MYR : RM586.20
Final exchange rate : PHP100 = RM7.5483

Maybankard2 VISA
Transaction date : 20 November 2012
Posted date : 22 November 2012
Amount charged in foreign currency : JPY24,284
Amount billed in MYR : RM924.12
Final exchange rate : JPY1,000 = RM38.0547

**USD - US Dollar
**KRW - Korean Won
**TWD - New Taiwan Dollar
**JPY - Japanese Yen
**PHP - Filipino Peso

I used both Maybankard VISA and Citibank Cash Back VISA on 27 Oct 2012 (both banks posted the transaction into my account on 30 Oct 2012 which is on the same day too) to pay for two different plane tickets online and as expected, Maybankard VISA's final exchange rate is slightly cheaper.

Maybankard VISA is no doubt the best when it comes to charging your expenses in Korean Won or New Taiwan Dollar as the final exchange rate for both of these two currencies are even cheaper than buying cash from local money changer   

Hi guys,

Anyone knows how to calculate Maybank AMEX charges?

These are my details:
Transaction Date: 29-Dec-2012
Posting Date: 30-Dec-2012
Foreign Currency: JPY 5,000
Local Currency: RM 183.54

I know that any overseas transaction using AMEX will be converted to USD first, then convert to MYR, but which conversion rate date should I choose? 29 Dec or 28 Dec (following US time)?

Btw, I made the transaction on 29 Dec morning, so at that time US is still in 28 Dec..

Is it:
1. (amount) + 3.0% OR
2. ((amount) + 2.5%) + 0.5%

Please advise. Thanks!