great, next time all online purchase I'll use this card.

i remember reading somewhere that purchasing from xiaomi malaysia comes with additional cross border fee for using cimb cr?

well, the description in cimbclicks is MOLPAY*XMSB-XIAOMIMALA SELANGOR MY, no additional 0.8% cross border fee though.

0.8% cross border fees apply if paid by PayPal (because Paypal payment gateway is outside Malaysia, nothing to do with Xiaomi). I assume you paid via Molpay based on the description?

yes, i know that now after transacted from official xiaomi site. no cross border fee applied.

Meaning you didn't go through Paypal but pay through CC directly?

A payment gateway within Malaysia will not have cross border fee.

i never had the intention to go thru paypal

earlier, i was stating NO cross border fee for CIMB CR with xiaomi malaysia, as it went thru local molpay gateway.

yep, i remember few years ago, xiaomi malaysia doesnt use molpay. i could be wrong

Is buying air tickets thru Expedia in RM considered local purchase or foreign? If in local RM does it attract "cross border fee"?

Now I understand why sometimes the amount charged to credit card is higher.

SCB charged a fee for airbnb and sometimes when groupon used a foreign gateway, CIMB charged fee too.

i just bought something at ebay

last time i tired, paying using paypal and direct using credit card seems to be at the same rate, which is paypal's rate (much higher)

how can i use the real current rate? can someone guide me? thanks in advance

you will kena cross border fees if you use the cards listed on the first page to pay with paypal

maybe you can try and let us know, if use local gateway ipay88 should not have a fee

do you mean that if i pay using one of the listed cards below:



i can save some $?

paypay usd rate is around 0.25 to RM1 the few other times i paid using paypaly that is linked to my HLB card
the other day tried paying direct using ambank credit card, same rate

both are on ebay items

cross border fees are extra fees which is 0.8% that you have fork out and yeah for the banks that don't charge means they are the ones actually absorbing the cost .... so far I have known Aeon gives the best exchange rate .... take a look at this thread to compare https://forum.lowyat.net/topic/1845691

any difference if i pay an ebay item using paypal (that is linked to my CC) or directly checkout using CC?

so far i tried both methods, i paid the same rate on both occasions

am i doing this right? could i have saved more using a method that you guys know and i dont? biggrin.gif

thanks in advance for your reply

if you have used the same CC to pay for both paypal and direct is the same rate so most likely it doesn't have the cross border fees, so you don't have to worry

but if you use amex to pay as compared to visa/mastercard, you would see a difference

This post has been edited by DarReNz: Apr 26 2016, 03:01 PM

thanks for clarifying

i thought paypal implements its own rates? or it is actually CC rates

i just know paypal charges another 2% to the merchant which they've already factor into the pricing
it's actually visa/mastercard/amex rates

i'm going to pay for a purchase

so can i confirm the rate is 0.25usd to 1myr right

which bank card are you using ? and is it visa/mastercard/amex ?