Has any sifu use their Maybank Debit VISA card for overseas transaction?

I contact them, their customer service said the currency exchange rate is determined by VISA at its absolute discretion. This is normal.
Reference: http://www.maybank2u.com.my/WebBank/tnc%2028022011.pdf

However they said they DO NOT charge any transaction / admin exchange fees. This is a bit hard to believe.

As I know, VISA for sure will charge BANK itself around 0.15~1% fees for any overseas transaction. Reference: http://usa.visa.com/personal/card-benefits...aq.jsp#anchor_5

Normally BANK will transfer this 0.15~1% fees to customer. For example, Standard Chartered even charge VISA user 3%. Please refer to https://www.sc.com/my/cb/fees_and_charges.pdf
(Search for "Overseas transaction charges")

What I want to ask is, is Maybank really DO NOT charge customer at all, even Maybank itself already charged by VISA?

Or they just simply playing words game? Actually the fees will be campur together with transaction amount in the statement and thus will not appear separately in the statement, so they say they don't charge? Any sifu can assist?

As reference, below is VISA daily exchange rate website:-
http://usa.visa.com/personal/card-benefits...-calculator.jsp

I found VISA Malaysia website - Exchange Rate below
http://www.visa.com.my/travel/currency.shtml
However it eventually lead to USA website, so I assume Malaysia follow USA exchange rate.

This post has been edited by KennRicky: Mar 24 2014, 06:25 PM