Bring cash risk kena pick pocket. But it’s all up to u

Stick to what's really convenient, you're just ruining yourself being too particular

Credit card leads to be authorized usage from oversea....

Change locally but when you go overseas and ex-rate went down, then you can rugi also

Use Wise and the credit card, best way to get the best rates.
I've used them all, AMEX, Maybank, Public Bank, Bigpay, nothing compares to Wise. I even use it for online purchases to get the best rates.

No Bigpay don't have that. What I use to like about BP is their low exchange rates fees, but the major difference is you only convert to the foreign currency at point of use.
Wise allows you to change at any time, so for example when EUR dropped to 4.5, i converted MYR to EUR and kept it because I knew I will be using it in future.

Its like changing physical cash to keep, but within the Wise account. Bigpay wont allow you to do that cause you can only hold MYR inside bigpay

Can travel to euro but KPKB about RM170+?

If you can afford to splash 10k EURO in a trip, you can afford the measly RM1.7k

So stop sembang kencang

Take note you cannot keep more than rm20k (and any currency equivalent to rm20k) in your Wise account due to Malaysian gov requirements. Wise will lock your account once you do that

I always swipe my cc when I travel abroad and withdraw a bit of cash. Balik Malaysia bayar balik. Surprisingly conversion rates is quite cheap for Citi cards.