Yup thinking of dining only... But on top of the 2.5% surcharge, isn't the forex rate something u lose out on vs money changer also?
So with the balance 4.5% it's enough to cover the poor forex rate?
Visa forex loss is roughly 1%, 4.5% more than covered this.
Best card for overseas dining is CIMB Visa signature for net 10% rebate (capped at $60 monthly) and only 1% fees. Need min $500 and min 8× min$30 monthly spending.
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