SC CB Gold Master Card
transaction date: 01/07/15
posted date: 01/07/15
amount: TWD 275
amount charged: MYR 34.05
master rate: 8.254803
fee: 2.16%

SC CB Gold Master Card
transaction date: 30/06/15
posted date: 30/06/15
amount: TWD 800
amount charged: MYR 100.20
master rate: 8.160275
fee: 2.16%

M2C Amex
transaction date: 04/07/15
posted date: 05/07/15
amount: TWD 450
amount charged: MYR 56.61
AMEX rate: 8.1949
fee: 3%

Aeon Watami

Trnx Date : 07 Feb
posting date: 11 feb
Transaction Amount : IDR 585k
Amount Charged : RM175.70
Exchange Rate : 0.0003003

Forex Rate from Visa with 0% admin fees at:
7/2 0.000306
11/2 0.000310

y my exchange rate is lower than visa rate?

This post has been edited by yujin86: Mar 15 2016, 05:36 PM

Yes exactly!

Here is my card usage during my europe trip recently
9/5 TNG 1 euro to RM 5.0127
BigPay 1 euro to RM 4.9640
PBB VS 1 euro to RM 4.9871
MBB KF 1 euro to RM 4.9938

10/5 TNG 1 euro to RM 5.0016
BigPay 1 Euro to RM 4.9527

11/5 BigPay 1 euro to RM4.9589
TNG 1 euro to RM5.0113
Citi CB 1 euro to RM 4.9106

12/5 MBB KF 1 euro to RM 5.0007
TNG 1 euro to RM 5.0145

19/5 Aeon Big 1 CHF to RM5.1304
Ambank VS 1 CHF to RM5.1179

interestingly
18/5 MBB Amex 1CHF to RM 5.1807
MBB KF 1CHF to RM 5.1471

conclusion, really can throw TNG debit card away liao. bigpay also not offer competitive rate anymore. some cards with miles or cash back is better than bigpay. citi CB rate is quite low, quite suprise. and mbb amex got 2 diff rate...