A Complaint about the DBS Credit Card

ON June 20, 2018, I used a Bank DBS (formerly ANZ) credit card to book a hotel room at Hotel Keio Plaza, Tokyo, through Agoda.com with a transaction value of 434,574 yen. On July 5, I was billed by DBS Rp59,319,711, meaning the yen exchange rate against the rupiah applied was 136.50. In fact the selling/buying exchange rates at Bank Indonesia on that day were 130.95/129.61. It implies that the bill was marked