Only a problem if you plan to swipe a RM20k transaction.
If not I just use and top up MYR in between. As long as you can use TAC to approve top up via FPX, you can spend up to MYR170k per month using Chip+PIN transactions

Yes, but the fee is very low. For example to convert to USD 50 now I need RM221.18 + fee of RM1.28.

That works out to an exchange rate of 4.4236 (excluding fee) or 4.4492 (including fee)
About 0.57% fee on top of wise's exchange rate

For comparison Google's rate is 4.4235 so Wise's base exchange rate is basically the same.

Compare that to Visa's rate now which is 4.441996, which is already a 0.4% premium above Wise's, and on top of that Maybank/Public Bank will typically charge 1-2% further on top of that.
So unless you are using a credit card that is giving you good points, Wise can help you save

Either Wise/Bigpay/Standard Chartered Jumpstart Debit Card.

Wise have many problems with wave though, all the time cannot wave need to pin. Bigpay/SCB wave okay.

https://forum.lowyat.net/topic/1845691/+1740#entry106241565