on 1 April 2014 i purchase a bottle of Macallan in DFS Singapore SGD 78.00. Today i check my HSBC credit card statement and found out that my transaction in DFS was not charged in SGD 78.00 but in IDR 753.186, 00. I check my receipt and realized the cashier was charging me in IDR not in SGD. The exchange rate stated IDR 1 = SGD 0.[protected] / 1 SGD = 9656.23 . I was totally disappointed why the cashier doing that. I read the statement below the receipt " I acknowledge that I have been offered a choice of payment currencies including SGD and agree to pay in (IDR). Dynamic Currency Conversion (DCC) is conducted by the merchant based on the Pure Commerce Wholesale plus 3.00% International Conversion Margin. I already confirmed to charge in SGD, on that day the currency exchange only around 1 SGD = 9.000, 00