contrary to popular believe, exchange rate on credit card transaction is quite reasonable or sometimes even better than normal exchange rate u get at money changer.

For me it doesn't really worth the effort to search for the best ex-rate around town. How much do u exchange for your 1-2 week oversea trip?? 1k, 3k, 5k?? Even for 5k, and a ex-rate difference of say 1USD=RM3.55 and 1USD=RM3.50 the difference is only RM20 bucks. What's the big deal?? Unless u r exchanging for 100k, then that may save u a few hundreds bucks.

Just go to any mamak money exchange inside the shopping complex and change ler and avoid banks and airport.