If you use credit card or charge card overseas, you are liable for overseas transaction fees imposed by the bank. Obviously you did not read and took the easy liberty to just ask to get answers with no effort (Sigh) - we have many times stated AMEX is the most expensive. By stating what you said - would using your card in Singapore / Thailand / Japan / US / China / Sudan be charged extra ? Would a foreigner using their credit card in Malaysia be charged extra ?

The answer is NO!
Merchants do not have the right to charge extra when users use credit cards - these charges are always "imposed" because customers consented to the extra fees and allowing merchants to charge you extra. The extra fees are not allowed by the rules set by Mastercard and VISA International.

To the question of you want to use cash or cc - are you comfortable carry tons of cash around in Bali or would you prefer to carry a piece of plastic ?
Converting MYR to any foreign currency also attracts "exchange fees / exchange loss" at the money changer - have you thought of that ?

I've got the 6% discount. 

I made the transaction on a Saturday and surprised the transaction date was captured on that day itself.

Did you apply for upgrade/change? If not, just apply the MBB2 card independently and terminate the old one.

Very good with mbb2 , no doubt of using it. But nowadays I'm a slower cause I'm pumping my Amex card for Mr point for my spg.
I recently spend 160k on lettermen to get my new watch box.
And 180k plus for a samsung galaxy w and sold to a friend for rm900 only..
Found the point is so useful , yea also changed rm200 voucher for my wife shopping in mv metrojaya..9000 for rm50 If not mistaken...save and earned..

Tis month total mr and tp I'm going to earn is aout 150k-200k ...
I'm used to it with mbb.. , somehow other banks card do very well..happy to wise use of cc and earn and save pocket money.