If you wanted to use your credit card overseas or overseas purchase, CIMB DA card do not have transaction fees. Others add 1 to 2% on top of VISA/MC exchange rate.

The only catch I know of CIMB DA card is that you must be a professional or graduate to be entitled to free-for-life annual fee.

As for ATM, Public Bank ATM card can not be used to withdraw cash from overseas ATM machine. RHB very limited. Best is HSBC ATM card.

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Added on November 14, 2008, 2:38 pm

On several occasion, the currency exchange I got from CC is so low that it is available nowhere else in the world (because it's even lower than interbank rates). Heck, it is not even available to the bank themselves, let alone their customers. When you think about that statement, it's truly puzzling. Hence my original posting asking as to whether anyone here know something I don't.
Foreign merchant ----> VISA/MC -----> CIMB -----> You.
AFAIK, CIMB DA is one of the very few bank that do not earn anything from you for foreign transaction.

The merchant makes money from you. VISA/MC makes money from you. CIMB do not charge transaction fee so do not earn money from you.

Other banks do. HSBC add 1% on top of VISA/MC charges. PBB also 1%. EON adds 2%.

Another Noob question here guys,

Ok, Finally i already have my cimb click. Like I mention before.. I already swap my CC twice. I got the bill and I know how many debt I have now. But I cant find this CC debt at any CIMB click website. So how should I pay this. Just pay the amount to my CC meh? i got this CIMB bank account. I prefer to just pay it through my bank account. The problem is I dont know how much I should pay. Seems unusual to me. Is it always like this for CC debt. They not mention how much we should pay?

i think is depend on your income,spending and payment record,done it well for like at least 6 month and ask them to increase the limit