Cruising from Singapore to Aukland in December on board the Voyager. Wondering how much local currency we should bring into each country. We will be spending 4 days in KL and 2 days in Bali. Also, 5 stops in Australia and 5 stops in New Zealand and 1 over night in Aukland. Also, what is the acceptance of credit cards in each of these countries? Thanks so much for your comments.