Ok here’s a very recent example to tie in with my previous post about using credit card vs cash overseas

We took an Uber in KL last week and charged it on our UOB One card. The credit card bill shows the below rate.
UOB
SGD 1.84 = MYR 5.61
SGD 1 = MYR 3.049

During my trip, I exchanged MYR in KL at the money changers. I went around hunting for a good exchange rate and monitored it for a couple of days.
The rate stayed at SGD 1 = MYR 3.13 at best.
This means that for the same Uber ride, if I used cash, I would have paid SGD 1.79.
Which means that by using my UOB card, I have spent 2.79% more as compared to using cash.
Not as high as I expected it to be previously.

On my previous trip to KL a couple of weeks back, we ate at a restaurant. The credit card