So I have the 28 Degrees Mastercard. If you put money onto this credit card (ie put it into debit) then at an overseas ATM withdrawing cash you wouldn't be charged any % fee for "currency exchange". However about 2 years ago that changed so now you have to pay a 3% fee when withdrawing cash from an overseas ATM. Then I found the Citibank Debit card. This is a visa (or mastercard cant remember which now) that doesn't charge a % currency exchange fee when withdrawing your funds at an overseas ATM. But from March this card will now charge a 2.5% fee. Both cards don't charge the % fee when making purchases overseas using the cards (ie. anything but cash from an ATM). Does anyone know a credit/debit card that doesn't charge a % fee to withdraw money from an overseas ATM? I cant seem to find any that exist now! Thanks, GS.