Yes they can. It's their "handling fee". They should insert it to the bill for example: RM1000 for the item and RMxx for handling fee. Must be stated in the invoice.

I hate it when shops do that. It is actually illegal to do that although most business treat this as normal. Can file complaint to BNM and Visa/MasterCard and the company will be blacklisted by Visa/MasterCard

http://www.visa.com.my/merchants/accepting...uidelines.shtml

Do not set minimums and maximums, and do not surcharge
You should not set value limits or impose a surcharge as a condition for accepting payment by Visa cards.

it's a 2 separate matters.

5% surcharge by merchant was because the merchant itself refused to aborb the cc fee themselves, and passed to customers. 5% is on the high side, usually 1-3%.

they can do that, in fact it's a BAD PRACTICE to do it because they are not supposed to pass down the fee to customers, per their cc agreement.

we cant do much except complaint it to respective cc rep (visa/mastercard/amex) for merchant's violation. however, they cannot get rid of it entirely.
as a smart consumer, you can try go search other places without surcharge imposed. do not support the malpractices.
converting to 0% 12mth is called easypay plus (conversion after purchase). there is a small fee for the conversion.

Not exactly want to answer this. If you perhaps wanted to bring a few dollars of NZD, please pre book the money on apps called Eforex, their rate sometimes were better than midvalley exchange rates. Just book in the app and collect at whichever branch nearest to you.

I will assign that month's 1k to spend with Amex in nz on a Saturday. The rest I will get best rate cash.

Yes. Just email CS to settle it. They will charge back the full amount to your coming statement.