My card is issued in SGD. When I buy something priced in a foreign currency, there may be two choices — FF) charge the foreign ccy amount or SS) charge the equivalent SGD amount. Always prefer FF.

Conrad MidTown told me the “equivalent SGD amount” is high, because their FX rate is bad.

HSBC.sg told me IFF you charge in SGD, there could be a separate “DCC” transaction. No DCC if you pay the foreign currency amount and HSBC converts that for you.