In any case, I found that different banks have different foreign currency conversion rate if you charge your card overseas or if you transact in a foreign currency.
Out of the CitiBank AMEX, ANZ, UOB cards, I found CITI's exchange rate is the worst. this gap can be huge, if the amount transacted is big. UOB has the best exchange rate among the abovmentioned cards.
A satisfied customer of POSB Everyday with Starhub Bills, Utility Bills and SPC Fuel charge to it. Paying it online with my POSB Savings account is also a breeze.
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