any of you here experience buying from apple malaysia store using cimb credit card and get charge 1% admin fee as they consider this oversea purchase?
i never experience this before in my last purchase, if like this who else wanna buy from apple store then?

I think the charges is from cimb credit card. Last 2 weeks I purchased thru their website with HLB Cc no charges also.

huh? got such things? how come?

Update: no additional charge from Citibank



This post has been edited by kevinpss: Nov 4 2021, 03:51 PM

I’m @ hsbc cc.. no additional admin fee charge..

Due to Apple's Payment Gateway that's located at Singapore, its considered as "Cross Border Transaction", another way for banks to suck money from consumers.

Guilty banks:
- Standard Chartered Malaysia

- CIMB

Update...Apple is so kind to refund me the extra even though this charges is coming from the bank.

good to know, I think apple will somehow claim this back from cimb..

How did you explain to their customer support? Also got charged the fee using CIMB and I wanna try my luck.

HSBC and Maybank no such charges.

Just call them why the charges is different from the invoice, and u don expect such charges when u buying from msia apple store.
Call the free call no, online CS cant help.

This post has been edited by JayC75: Nov 11 2021, 08:10 PM

Thank you very much! Will give it a try.

i got charged 1% for this overseas purchase too. because the portal is in SG, the company is registered as SG entity, so they consider as overseas purchase despite transacting in RM and from Apple Malaysia.

So i called my CC and asked them to waive, first time rejected, then I appeal again and threaten that if not I will cancel the card. they approved and waive the 1%.

Foreign bank CC.

But strangely, because my friend using another foreign bank CC, wasn't charged this 1%, that's why I insisted them to waive.

Bullshit la nothing to do with foreign bank. HSBC and CITIBANK not foreign bank? I never got charged when spending with this two banks.

This post has been edited by Barricade: Nov 20 2021, 09:28 AM

IMO it’s the bank itself, nothing to do with foreign or local. That’s why apple happily refund the unnecessary 1% charge, coz they will deal with the bank back end to waive it off…

LOL why are you so worked up?

yes I use stand chart and I got charged the 1%.

is this bank not a foreign bank?

ya I use foreign or local to differentiate for myself.

I use a local bank cc last time without such charges.

by the way, the 1% was the subsequently waived by stand chart after an appeal. sekian

This post has been edited by tehoice: Nov 21 2021, 09:18 PM

bought i11 last year for mum, pakai sc card, sc charged me 1%... but since i go thru the shopback portal to apple website... so i earned 2% cashback.... hahaha

what?! apple website can use shopback? never know...

apparently can... i also didnt know until i receive notification from cashback... some dumb luck

https://pictr.com/images/2021/11/22/B4uPSX.md.png

how do you guys seek a refund of the 1% charges from apple?

i got charged 1% too for my purchase of apple watch using CIMB card

Edit: Called apple store toll free number. Speak to the customer service about the 1% charges. They told because the item was not shipped from Malaysia so "some bank" will charge 1% then ask me to email them the credit card statement showing the extra 1% charges then they will revert back the 1%.

This post has been edited by cofin: Nov 23 2021, 01:31 PM

call your bank to request waiver, if they refuse to then only go to Apple CS.

can refer to earlier posts here and here

Can share the Apple email? Wanna try my luck too.

https://support.apple.com/en-my/contact

You can schedule a live chat session, open a case and get a reference ID before speaking to post sales (link below)

https://contactretail.apple.com/Solutions

schedule and pick a slot for callback, this is the post sales department

This post has been edited by dikae: Nov 26 2021, 05:22 PM

call them better, no need email or online chat.

Lesson learnt. Don't use CIMB for Apple Store Malaysia purchases. Too much hassle.

Think not only CIMB, someone shared standard chartered as well..

This post has been edited by dikae: Dec 1 2021, 09:31 AM

I contacted Apple Support and they agreed to refund the 1%, although the email stated it was a one off refund.

Time to switch to other banks.

the one off refund is just a template they use, if you buy again they will waive it again but to skip all the trouble, better just use other card..

U guys sure this is even from the bank?

Iinm last time i work in credit card dept. This fee was charged by Visa/MasterCard.

Last time they charge this when transacting oversea but with different region. Didnt know even singapore also they will charge 1% now…

Call but nobody pick up also

I just called up stand chart to file a refund, hopefully got good news

yup....i lazy to claim the 1% back....but will not use CIMB card to purchase Apple Product next time....probably will terminate my CIMB cc

I won't even bother signing up for a CIMB credit card

https://www.cimb.com.my/en/personal/help-su...edit-cards.html

Conversion for Overseas Transaction
The conversion rate as determined by Mastercard International/VISA International (whichever is applicable) plus an administrative cost of 1%* plus any transaction fee charged by Mastercard or VISA (whichever is applicable).

Dynamic Currency Conversion (DCC) is a service offered by certain overseas merchants to provide a choice to pay in Ringgit Malaysia (including online purchases) for oversea purchase.

* Not applicable for CIMB Travel World Elite Credit Card.

I am using Maybank, i do perform lotsa overseas transactions and never have to pay any additional charges.

also kena when using cimb card on last purchase. At first thought that is some kind of apple sales tax, but later found out is admin fee from octopus bank, but that time is a little bit late to waive it.
Have stop using cimb when buy for Apple accessories later.

Sorry, I don't understand. What you meant by a little bit late to waive it?

Means that I only found out about it from this thread after more than a month later (stupid me ), by that time the transaction already completed. So cannot waive it already.
Should call Apple CS or bank to waive it when receive invoice update from Apple

I haven't had such an additional charge when using my Standard Chartered card with Apple Store MY.
Bought in 2019, 2020, 2021. Can't confirm for 2022 and 2023 though.

I can confirm, I just got hit with this unexpected 1% cross-border charge. Will go to their branch to attempt to waive it.

Update (26/10/23) finally got it waived (for one-time only) after making service request and lodging complaint in the branch. The person who called was nice and explained it clearly.

This post has been edited by jimkoay259: Oct 26 2023, 05:13 PM

last year 2022 bought from online apple used SC
kena 1%

apple invoice you wont know the 1%, because not apple charge

public bank confirm wont kena

if yours kena, just tell bank to waive or just cancel the card, useless bank with cross border fee

i manage to get SC waive last year, else i might just cancel after all, not happy when i give them earn but they charge me pula