How should I pay for my hotel overseas (Rupiah)? DBS Debit Card, CIMB Credit Card or get a Youtrip card since DBS Debit and CIMB Credit card will incur more fees, e.g. foreign transaction fees ?

I would definitely recommend topping up Youtrip before you fly in indonesian rupiah, to save the transaction fees, and also to avail to attractive exchange rates!

Get S$10 free money after your first top up on Youtrip with this link! https://youtrip.app.link/HUI%20JUN128899

There are some insightful reviews here https://seedly.sg/reviews on the several multi-currency accounts that have popped up recently, along with those tied to banks. I personally use YouTrip because I can skip the fees!