As long as you shop online or travel overseas (Johor Bahru included), you really should be getting a multi-currency card to reduce your expenses by as much as 30%. Or, as long as you fit into any of the below categories:
Travel overseas at least twice a year (includes trips to JB!)Online shopping (eg. Taobao, Kickstarter, Book Depository, Skype credits, Coursera)Exchange students abroad Foreign subscriptions (eg. Netflix, Spotify, Dropbox, Google)Yes, even for online shoppers, as long as you buy from any overseas websites or subscriptions, you'll probably want to start paying lesser via a multi-currency card. You can find more details on this phenomenon here.



While banks and credit card companies will try to entice you to spend abroad using their credit cards, bear in mind that you're actually paying a lot of unnecessary money - mostly in the form of dynamic conversion charges (DCC) and unfavourable exchange rates.

You might as well get a multi-currency card ("global"...