Citibank: Visa Debit charges for foreign transactions.

On Sunday (12th July), I sent an enquiry to Citibank online Customer Service, and received a reply yesterday (13th July).

My queries were:

I would like to ask what would be the charges payable for using the Citibank ATM card for transactions made overseas?
Transactions as in:
1) Purchases made in a retail shop, what are the charges payable?
2) Withdrawals overseas from non-Citibank ATM?
3) Withdrawals overseas

And the reverted reply was:

There are no Debit & ATM card specific charges. There is no charges if the withdrawal is made from an overseas Citibank ATM machine. However, RM10.00 will be charged per withdrawal if made via other network (PLUS, NYCE,STAR ). However, we are not able to advise the equivalent amount in RM for withdrawal in foreign currency as the rates used are not Citibank's quoted rates.

Please kindly note that the usage of Citicard for Islamic Banking and Flexihome Loan customers is restricted to Citbank Malaysia only.

That's a VERY good reason to start using Citibank ATM Debit Visa overseas if I won't be charged conversion fees per transaction, or any fees per transaction!