buying gears in HK using credit card

[Treetrunk]

Yes, varies from card to card, country to country. Usually its something like $20-30. The fees depends on the issuing bank, some even have promotion that reduces the fee to almost $0, great for travelers, but you still lose a little on the exchange rate.

Yes, there's usually a flat-fee admin charge per withdrawal. So need to factor that in as well, and make just one withdrawal.

I know my UOB current account charges only $5 per transaction, and it goes at a very favourable exchange rate..
So much so that by withdrawing overseas, I get better rates than to go to local money changers.

Of course, the best money changer has got to be the one at Taiwan Airport, offering unbeatable rates IMHO.

Thks for the advice.