Got it. Thanks for your response. Very helpful.
Is CIMB StarSaver a better proposition for local cash withdrawals at ATMs abroad?
CIMB StarSaver ATM card has a 1% Visa processing fee. But there is no monthly limit of SGD 350 withdrawal, and not necessarily a different weekend vs. weekday rate. Withdrawing from own bank account and therefore no worry about going overlimit. Most ATMs are "Plus" ATMs and maybe one could even get lucky if one finds a CIMB ATM in Malaysia, Indonesia, or Cambodia or Thailand.
The local ATM operator charge would apply irrespective and as you say it is unavoidable. Two years ago, these were ATMs with zero local operator charges that I knew of:
Vietnam: Eximbank, TPBank, SeA Bank, Military Bank
Taiwan: Bank of Taiwan, Chang Hwa Commercial Bank
And if the CIMB SS account isn't to be used regularly, it would entail withdrawing back to the regular SG bank account but that is routine.