Bayar Transaksi Luar Negeri: Mata uang asing atau Rupiah?

Ketika anda bertransaksi atau bayar transaksi luar negeri, mungkin anda ditanya mau membayar menggunakan mata uang lokal negara tersebut atau dalam rupiah. Biasanya pilihan tersebut ditanyakan kasir atau di mesin pembayaran (EDC).

Saya menyarankan anda selalu membayar menggunakan mata uang lokal negara tersebut karena beberapa alasan:

Kurs yang Ditawarkan Tidak Lebih Baik

Apabila anda menerima penawaran pedagang atau mesin untuk membayar dalam rupiah, maka mesin atau pedagang tersebut yang menentukan nilai tukar mata uang, bukan penerbit kartu kredit anda. Seringkali, nilai tukar ini jauh lebih buruk daripada yang ditawarkan bank anda.

Anda tidak dapat bonus rewards

Apabila kartu kredit anda memberikan rewards atas transaksi mata uang asing, maka anda harus memilih membayar menggunakan mata uang lokal negara tersebut. Bila anda membiarkan mesin atau pedagang melakukan konversi rupiah, maka kartu kredit anda akan ditagih dalam rupiah dan anda tidak mendapatkan bonus rewards atas transaksi mata uang asing

Tidak ada best rate guarantee

Beberapa kartu kredit memberikan “jaminan nilai tukar terbaik”. Untuk bisa memanfaatkan fitur ini, anda harus melakukan transaksi dalam mata uang asing dan jangan dikonversi menjadi rupiah.

Bagaimana jika mesin pembayaran tidak menawarakan konversi pada saat bayar transaksi luar negeri?

Kemungkinan besar berarti anda akan ditagih menggunakan mata uang lokal negara tersebut, tapi silakan tanya ke pihak kasir untuk memastikan ulang. Tidak semua negara dan pedagang menawarkan opsi ini – biasanya hanya negara yang ramai turis seperti Singapura dan merchant besar saja yang menawarkan opsi ini.

Adrian Siaril
Adrian Siaril

The boss

Articles: 588


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