In Reply to: Air Asia Indonesia X posted by GaryD on Friday, 3. April 2015 at 07:31 Bali Time:
.. don't set the exchange rate.. Visa or Mastercard or whoever the provider is sets the Rte, your bank just sets the fees.
My UK bank stung me for this when I paid for my aussie visa.. 3% transaction fee on a $6500 payment. Nearly $200 in fees the bastards. Good eat on the rest of it though.