HSBC Premier is great except they charge you bad x-rates. HSBC has a loan program for top b-school students with loan rates slightly lower than usual. but you can't get premier.
Yes but to the original q - it is possible to transfer usd and then converted at source.
capital one card is great, but you still pay the 3-5% x-rate differential, whereas if you transfer a large sum at one go (and talk to the recipient bank beforehand), you could get away with paying 1-2%.